2008年中国农村商业银行研究报告 >> 水清木华研究中心

　　截止2007年底，农村商业银行资产总额6096.7亿元，占银行业金融机构资产总额的1.16%；负债总额5767亿元，占银行业金融机构负债总额的1.16%；所有者权益额329.6亿元，占银行业金融机构所有者权益额总的1.09%；税后利润42.8亿元，占银行业金融机构税后利润总额的0.96%。

图 2003-2007年我国农村商业银行总资产与总负债变化趋势图

数据来源：银监会整理：水清木华研究中心

　　中国的农村商业银行的经营方向是为农业、农村和农民服务。截止2007年末，全国农村商业银行农业贷款余额236.29亿元。另外，中国的农村商业银行不同于全国大多数农村信用社那样服务传统“三农”，它们把中小企业作为重要的服务对象，积极开展小企业贷款业务。截止2007年末，全国农村商业银行中小企业贷款余额976.38亿元。

　　中国的农村商业银行整体资产、负债及所有者权益等不断上升，呈现出逐年增加的趋势。中国农商行的经营情况不断得到改善，各农商行的资本充足率呈逐渐上升趋势，不良贷款率则呈逐年降低的趋势。

　　各农村商业银行的支农贷款与小企业贷款的比例都比较高，未来各农商行将继续加强这两项业务的发展。2007年12月，张家港农商行上市申请已经得到银监会的批准，未来优质的农村商业银行实现上市将是大趋势。

　　本研究报告依据中国银监会、国家信息中心等权威渠道数据，深入研究了中国电机行业的现状，预测了电机行业未来的发展方向，探讨了电机行业的投资机会和投资风险。

By the end of 2007, the total assets of China rural commercial banks have reached CNY609.67 billion, accounting for 1.16% of the total assets of banks, and the total liabilities have reached CNY576.7 billion, amounting to 1.16% of the total. Meanwhile, the value of owners’ equity has stood at CNY32.96 billion; accounting for 1.09% of the total, and the post-tax profit was CNY4.28 billion, amounting to 0.96% of the total.

Total Assets & Total Liabilities of China Rural Commercial Banks, 2003-2007
(Unit: CNY100 million)

Source: China Banking Regulatory Commission

Business operation of China rural commercial banks is aimed at serving agriculture, rural areas and farmers. By the end of 2007, the outstanding loans of all rural commercial banks have reached CNY23.63 billion. In addition, China rural commercial banks are different from the majority of rural credit cooperatives, whose business operation is focused only on agriculture, rural areas and farmers, they also regard small- and medium-sized enterprises (SMEs) as their key clients to provide them with lending service. By the end of 2007, their total outstanding loans to SMEs reached CNY97.64 billion.

The total assets, liabilities and owner’s equity value of China rural commercial banks continue rising, and their business operation improves gradually. The capital adequacy ratio of China rural commercial banks is also on the upward trend, but the non-performing loan ratio is on the downward trend.

The proportions of agriculture loan and small business loan of the rural commercial banks are both high, and the banks will continue to make more efforts in strengthening the development of the two kinds of loan. In December 2007, Zhangjiagang Rural Commercial Bank has obtained the approval from China Banking Regulatory Commission to be stock listed. It will be a general trend that more good quality rural commercial banks to be stock listed.

Based on the statistics of the China Banking Regulatory Commission and the State Information Center, the report makes a thorough study on the current situation, investment opportunities and risks of China’s rural commercial banks, and also makes a development forecasts.

第一章中国农村金融市场现状
1.1 中国农村金融组织体系及其发展现状
1.1.1 正规金融机构组织
1.1.2 非正规金融机构
1.2 农村金融市场融资现状与存在问题
1.2.1 农村金融服务需求特征
1.2.2 农村金融服务需求现状
1.2.3 农村金融服务现状
1.2.4 农村金融市场体制缺陷
1.3 农村金融改革三个模式
1.4 农村金融市场外资投资现状

第二章中国农村商业银行发展特征分析
2.1农村商业银行成立背景
2.1.1 区域县域经济的快速发展
2.1.2 农信社改革
2.2 农村商业银行成立条件
2.2.1 成立条件
2.2.2 与农村合作银行的区别
2.3 农村商业银行发展经历的三个阶段
2.3.1 首批农信社体制改革试点
2.3.2 深化体制改革试点
2.3.3 省级农村商业银行成立
2.4 农村商业银行发展现状
2.4.1 区域发展的特点
2.4.2 业务特点
2.4.3 运行状况
2.4.4 同业中竞争地位

第三章中国农村商业银行发展现状分析
3.1 张家港农村商业银行
3.2 江阴农村商业银行
3.3 常熟农村商业银行
3.4 上海农村商业银行
3.5 北京农村商业银行
3.6 深圳农村商业银行
3.7 吴江农村商业银行
3.8 太仓农村商业银行
3.9 武进农村商业银行
3.10 锡州农村商业银行
3.11 昆山农村商业银行
3.12 东吴农村商业银行
3.13 芜湖扬子农村商业银行
3.14 合肥科技农村商业银行
3.15 鄂尔多斯东胜农村商业银行
3.16 池州九华农村商业银行
3.17天津滨海农村商业银行
3.18江苏射阳农村商业银行
3.19重庆农村商业银行

第四章中国农村商业银行的投资机会分析
4.1 中国农村商业银行发展的有利因素
4.1.1 国家政策支持
4.1.2 新农村建设的资金需求
4.1.3 外资的垂青
4.2 中国农村商业银行的投资机会
4.2.1 填补商业银行的市场空白
4.2.2 农村信用社改革
4.2.3 发展小额信贷业务
4.2.4 走金融现代化之路

第五章总结

1. China Rural Financial Market
1.1 China’s Rural Financial Organization System and Its Development
1.1.1 Formal Financial Institutions
1.1.2 Informal Financial Institutions
1.2 Fundraising and Existing Problems in Rural Financial Market
1.2.1 Features of Rural Financial Service Demand
1.2.2 Rural Financial Service Demand
1.2.3 Rural Financial Services
1.2.4 Flaws of Rural Financial Market
1.3 Three Modes of Rural Financial Reform
1.4 Foreign Investment in Rural Financial Market

2. Development Characteristics of China Rural Commercial Banks
2.1 Establishment Background
2.1.1 Rapid Economic Growth in Prefectures and Counties
2.1.2 Reform of Rural Credit Cooperatives
2.2 Conditions for Establishing Rural Commercial Banks
2.2.1 Establishment Requirements
2.2.2 Difference between Rural Commercial Banks & Rural Cooperative Banks
2.3 Three Growth Stages of Rural Commercial Banks
2.3.1 First Trials of Rural Credit Cooperative System Reform
2.3.2 Experiment of Deepening System Reform
2.3.3 Establishment of Provincial Rural Commercial Banks
2.4 Development of Rural Commercial Banks
2.4.1 Regional Development Characteristics
2.4.2 Business Characteristics
2.4.3 Operation
2.4.4 Competition Position in the Industry

3. China Rural Commercial Bank Development
3.1 Zhangjiagang Rural Commercial Bank
3.2 Jiangyin Rural Commercial Bank
3.3 Changshu Rural Commercial Bank
3.4 Shanghai Rural Commercial Bank
3.5 Beijing Rural Commercial Bank
3.6 Shenzhen Rural Commercial Bank
3.7 Wujiang Rural Commercial Bank
3.8 Taicang Rural Commercial Bank
3.9 Wujin Rural Commercial Bank
3.10 Xizhou Rural Commercial Bank
3.11 Kunshan Rural Commercial Bank
3.12 Dongwu Rural Commercial Bank
3.13 Wuhu Yangzi Rural Commercial Bank
3.14 Hefei Science & Technology Rural Commercial Bank
3.15 Erdos Dongsheng Rural Commercial Bank
3.16 Chizhou Jiuhua Rural Commercial Bank
3.17 Tianjin Binhai Rural Commercial Bank
3.18 Jiangsu Sheyang Rural Commercial Bank
3.19 Chongqing Rural Commercial Bank

4. Investment Opportunity of China Rural Commercial Banks
4.1 Favorable Factors for China Rural Commercial Bank Development
4.1.1 Support of National Policies
4.1.2 Capital Demand of New Rural Construction
4.1.3 Strong Interest of Foreign Fund
4.2 Investment Opportunities
4.2.1 Filling in Gaps in Commercial Bank Market
4.2.2 Reform of Rural Credit Cooperatives
4.2.3 Developing Small-Sum Credit Business
4.2.4 Take the Road of Financial Modernization

5. Summary

图1-1 中国农村金融体系的组织结构
图1-2 中国银行业07年12月资产结构
图1-3 截止2008年5月末各省、市、自治区农村商业银行网点分布数量与比例图
图2-1 2003-2007年中国农村商业银行总资产与总负债变化趋势图
图2-2 2003-2007年中国农村商业银行所有者权益变化趋势图
图3-1 2001-2007年张家港农村商业银行贷款余额
图3-2 2003-2008年6月（包括改制前）北京农村商业银行贷款余额
图3-3 2003-2008年6月（包括改制前）北京农村商业银行存款余额
图3-4 2005-2007年北京农村商业银行所有者权益增长情况
图3-5 1996-2006年（包括改制前）深圳农村商业银行利润增长图
图4-1 截止2008年5月末中国农村商业银行在各省、市、自治区农业贷款比例图
图4-2 截止2008年5月末中国农村商业银行在各省、市、自治区小企业贷款比例图

表1-1：新型农村金融机构设立情况表
表2-1 2003－2008年中国百强县名单top10
表2-2 中国农村商业银行汇总表
表2-3 2007年12月末部分农村商业银行中小企业贷款/三农贷款占总贷款比例
表2-4 部分农村商业银行资产总额
表2-5 2007年12月末部分农商行资本充足率
表2-6 2007年12月末部分农商行不良贷款率
表2-7 中资银行2005/6年度按一级资本在《银行家》全球1000家大银行中的排名
表2-8 中资银行2007年度按一级资本在《银行家》全球1000家大银行中排名前十强
表3-1：江阴农村商业银行06—07年度主要财会数据
表3-2：常熟农村商业银行05—07年度主要会计数据与指标
表3-3：吴江农村商业银行04—07年度主要会计数据与指标
表3-4：太仓农村商业银行05—07年度主要会计数据与指标
表3-5：锡州农村商业银行04—07年度主要会计数据与指标
表3-6：昆山农村商业银行04—07年度主要会计数据与指标
表3-7：合肥科技农村商业银行06—07年度主要财会指标
表4-1：截止2008年5月末中国农村商业银行在各省、市、自治区农业贷款数量表
表4-2 截止2008年7月末中国各银行金融机构的农村网点数量比较
表4-3：截止2008年5月末中国农村商业银行在各省、市、自治区小企业贷款数量表
表4-4 截止2008年7月末中国各银行金融机构的小企业贷款余额与获得贷款的企业数总计

Organizational Structure of China’s Rural Financial System
Assets Structure of China Banking Industry, Dec. 2007
Distribution of Rural Commercial Banks’ Outlets by Region, May 2008
Total Assets & Total Liabilities of China Rural Commercial Banks, 2003-2007
Changes in Owners’ Equities of China Rural Commercial Banks, 2003-2007
Outstanding Loans of Zhangjiagang Rural Commercial Bank, 2001-2007
Outstanding Loans of Beijing Rural Commercial Bank (before Reform Included), 2003-June 2008
Outstanding Deposits of Beijing Rural Commercial Bank (before Reform included), 2003-June 2008
Growth of Owners’ Equity of China’s Rural Commercial Bank, 2003-2007
Profit Growth of Shenzhen Rural Commercial Bank (before Reform Included), 2003-May 2008
Proportions of Agriculture Loans of Rural Commercial Bank by Region, May 2008
Ratios of Small Business Loans of Rural Commercial Bank by Region, May 2008
Establishment of New Rural Financial Institutions
China Top 10 Counties, 2003-2008
Summary of China Rural Commercial Banks
Ratios of SME Loans & Agriculture Loans of Some Banks to the Total, Dec. 2007
Total Assets of Some Rural Commercial Banks
Capital Adequacy Ratios of Some Rural Commercial Banks, Dec. 2007
NPL Ratios of Some Rural Commercial Banks, Dec. 2007
Rankings of China Banks in Top 1000 Global Banks of The Banker by Tier 1 Capital, 2005-2006
Rankings of China Banks in Top 10 Banks of Top 1000 Global Banks of The Banker by Tier 1 Capital, 2007
Key Accounting Data of Jiangyin Rural Commercial Bank, 2006-2007
Key Accounting Data & Indices of Changshu Rural Commercial Bank, 2005-2007
Key Accounting Data & Indices of Wujiang Rural Commercial Bank, 2004-2007
Key Accounting Data & Indices of Taicang Rural Commercial Bank, 2005-2007
Key Accounting Data & Indices of Jinzhou Rural Commercial Bank, 2004-2007
Key Accounting Data & Indices of Kunshan Rural Commercial Bank, 2004-2007
Key Accounting Data of Hefei Sci & Tech Rural Commercial Bank, 2006-2007

Agriculture Loan Amount of China Rural Commercial Banks by Region, May 2008
Number of Rural Outlets of China Banking Financial Institutions, July 2008
Small Business Loan Amount of Rural Commercial Banks by Region, May 2008
…