2009中国农村商业银行研究报告 >> 水清木华研究中心

　　至2009年9月，中国已成立的农村商业银行有27家。农村商业银行的总资产由2003年的384.8亿元提高到2008年的9290.50亿元，增长了22.4倍；税后利润由2003年0.9亿元提高到2008年的73.2亿元。

图：2003-2008年中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

　　为了有力的支持中小企业和地方经济的发展，中国政府出台了一系列改革农村金融系统的措施，农村商业银行的规模将会得到进一步发展。另一方面，农村商业银行也为地方经济的建设提供了多元化、全方位、高质量的信贷服务，经营管理步入了规范化轨道，抵御风险能力明显增强，支农工作向纵深推进，服务水平大幅提高。汇丰银行，澳新银行，荷兰合作银行已经瞄准了中国的农村金融市场，并看好其未来发展。

　　本研究报告依据中国银监会、中国人民银行和国家统计局等权威渠道数据，部分重点数据来自各农商行的年报，深入研究了中国农村商业银行的现状，预测了中国农村商业银行未来的发展趋势，探讨了中国农村商业银行的投资机会。

As of Sep 2009, China has had 27 rural commercial banks. The total assets rose by 22.4 times to RMB929.05 billion in 2008 from RMB38.48 billion in 2003. The profit after tax increased to RMB7.32 billion in 2008 from RMB90 million in 2003.

Total Assets and Total Liabilities of China Rural Commercial Banks, 2003-2008

Source: CBRC; ResearchInChina

In order to support the development of small and medium enterprises as well as local economy effectively, China issued a series of measures to reform rural financial system. The scale of rural commercial banks will be further expanded. On the other hand, rural commercial banks provide diversified, comprehensive, high-quality credit service for local economy, so that management and operation are standardized, the ability to resist risks is enhanced markedly, the support on agriculture is strengthened, and service is greatly improved. HSBC, ANZ and Rabobank have aimed at China rural financial market and are optimistic about its future development.

Based on the data issued by China Banking Regulatory Commission, the People's Bank of China and the National Bureau of Statistics of China, as well as some key data from annual reports of rural commercial banks, the report analyzes the status quo of China rural commercial banks profoundly, forecasts the future development trends, and discusses investment opportunities.

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现状
1.1.1 中国农村金融组织体系已初步形成
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 农村金融服务需求现状
1.2.2 农村金融服务需求分析
1.2.3 农村金融服务现状
1.2.4 农村金融市场体制缺陷
1.2.5 农村金融市场融资困难症结
1.3 农村金融改革历程
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：自身发展需要
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
2.3.4 副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 中国农村商业银行排名

第三章中国农村商业银行发展现状分析
3.1 中国各农村商业银行况概况
3.1.1 张家港农村商业银行
3.1.2 江阴农村商业银行
3.1.3 常熟农村商业银行
3.1.4 上海农村商业银行
3.1.5 北京农村商业银行
3.1.6 深圳农村商业银行
3.1.7 吴江农村商业银行
3.1.8 太仓农村商业银行
3.1.9 武进农村商业银行
3.1.10 锡州农村商业银行
3.1.11 昆山农村商业银行
3.1.12 东吴农村商业银行
3.1.13 芜湖扬子农村商业银行
3.1.14 合肥科技农村商业银行
3.1.15 鄂尔多斯东胜农村商业银行
3.1.16 池州九华农村商业银行
3.1.17 天津滨海农村商业银行
3.1.18 江苏射阳农村商业银行
3.1.19 重庆农村商业银行
3.1.20 吉林九台农村商业银行
3.1.21 黄河农村商业银行
3.1.22 莱州农村商业银行
3.1.23 马鞍山农村商业银行
3.1.24 武汉农村商业银行
3.2 中国农村商业银行发展SWOT分析及建议
3.2.1 SWOT分析
3.2.2 对农村商业银行发展基于SWOT分析的建议

第四章中国农村商业银行培养核心竞争力战略分析
4.1 坚持基本市场定位，确立客户基础
4.2 加强中小企业贷款业务
4.3 打造社区零售银行
4.4 适应多层次需求，提供差别化产品服务
4.5 培养人力资源，提高专业管理水平
4.6 建立风险管理制度，缩短业务办理流程
4.7 农村商业银行实现异地经营

第五章中国农村商业银行的投资机会分析
5.1 中国农村商业银行发展的有利因素
5.1.1 国家政策支持
5.1.2 新农村建设的资金需求
5.1.3 外资的垂青
5.2 中国农村商业银行的投资机会
5.2.1 填补商业银行的市场空白
5.2.2 农村信用社改革
5.2.3 发展小额信贷业务
5.2.4 坚持市场定位，走金融创新之路

第六章总结

1 Status Quo of China Rural Financial Market
1.1 Status Quo of China Rural Financial Organization System
1.1.1 China Rural Financial Organization System has Taken Shape
1.1.2 Informal Financial Institutions
1.2 Financing of Rural Financial Market and Existing Problems
1.2.1 Current Rural Financial Service Demand
1.2.2 Rural Financial Service Demand Analysis
1.2.3 Current Situation of Rural Financial Service
1.2.4 System Defects of Rural Financial Market
1.2.5 Crux of Financing Difficulties in Rural Financial Market
1.3 Rural Financial Reform Course
1.4 Foreign Investment in Rural Financial Market

2 Development Characteristics of China Rural Commercial Banks
2.1 Background
2.1.1 Rapid Development of Regional Economy
2.1.2 Rural Credit Cooperatives Reform
2.2 Conditions for Establishment
2.2.1 Conditions for Establishment
2.2.2 Difference from Rural Cooperative Banks
2.3 Three Stages
2.3.1 First Pilots of Rural Credit Cooperatives Reform
2.3.2 Pilots of Further System Reform
2.3.3 Establishment of Provincial Rural Commercial Banks
2.3.4 Establishment of Vice-Provincial Rural Commercial Banks
2.4 Status Quo of Development
2.4.1 Characteristics of Regional Development
2.4.2 Business
2.4.3 Operation
2.4.4 Ranking of China Rural Commercial Banks

3 Status Quo of China Rural Commercial Bank Development
3.1 Overview
3.1.1 Zhangjiagang Rural Commercial Bank
3.1.2 Jiangyin Rural Commercial Bank
3.1.3 Changshu Rural Commercial Bank
3.1.4 Shanghai Rural Commercial Bank
3.1.5 Beijing Rural Commercial Bank
3.1.6 Shenzhen Rural Commercial Bank
3.1.7 Wujiang Rural Commercial Bank
3.1.8 Taicang Rural Commercial Bank
3.1.9 Wujin Rural Commercial Bank
3.1.10 Xizhou Rural Commercial Bank
3.1.11 Kunshan Rural Commercial Bank
3.1.12 Dongwu Rural Commercial Bank
3.1.13 Wuhu Yangzi Rural Commercial Bank
3.1.14 Hefei Science & Technology Rural Commercial Bank
3.1.15 Ordos Dongsheng Rural Commercial Bank
3.1.16 Chizhou Jiuhua Rural Commercial Bank
3.1.17 Tianjin Binhai Rural Commercial Bank
3.1.18 Jiangsu SheyangRural Commercial Bank
3.1.19 Chongqing Rural Commercial Bank
3.1.20 Jilin Jiutai Rural Commercial Bank
3.1.21 Yellow River Rural Commercial Bank
3.1.22 Laizhou Rural Commercial Bank
3.1.23 Ma'anshan Rural Commercial Bank
3.1.24 Wuhan Rural Commercial Bank
3.2 SWOT Analysis and Suggestions
3.2.1 SWOT Analysis
3.2.2 Suggestions

4 Core Competitiveness of China Rural Commercial Banks
4.1 Market Position and Clients
4.2 SME Loan Business
4.3 Community Retail Banks
4.4 Differentiated Products and Service
4.5 Human Resources and Professional Management
4.6 Risk Management System
4.7 Remote Operation

5 Investment Opportunities of China Rural Commercial Banks
5.1 Favorable Factors
5.1.1 National Policies
5.1.2 Capital for New Rural Construction
5.1.3 Foreign Investment
5.2 Investment Opportunities
5.2.1 Market Gap
5.2.2 Reform of Rural Credit Cooperatives
5.2.3 Micro-credit Business
5.2.4 Financial Innovation

6 Summary

图：2003-2008年中国农村商业银行总资产与总负债变化趋势图
图：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：2003-2008年中国农村商业银行所有者权益变化趋势图
图：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：中国银行业08年12月资产结构
表：截至2009年6月末底新型农村金融机构基本情况
表：2003－2009年中国百强县名单TOP10
表：农村商业银行与农村合作银行的区别
表：中国农村商业银行一览表
表：部分农村商业银行资产总额
表：2008年12月末部分农商行资本充足率
表：2008年12月末部分农商行不良贷款率
表：2008年度中国农村商业银行排名
表：张家港农商行截止2009年报告期内整体经营状况及主要会计指标
表：上海农商行截止2009年报告期末前三年的主要财务数据
表：北京农商行截止2009年报告期末前三年的主要会计数据和财务指标
表：深圳农商行截止2009年报告期末前两年的主要会计数据和财务指标
表：吴江农商银2008年主要财务指标
表：太仓农商行2008年度主要会计数据
表：武进农商行截止2009年报告期末的主要会计数据
表：锡州农商行截止2009年报告期末前三年每年的会计财务数据
表：昆山农商行农村商业银行截止2009报告期的主要会计数据
表：截止2009年报告期末前三年主要会计数据和财务指标
表：2008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：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：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：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
表：2008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

Total Assets and Total Liabilities of China Rural Commercial Banks, 2003-2008
Distribution of Rural Commercial Banks in China, by the end of May 2008
Owners Equity of China Rural Commercial Banks, 2003-2008
Agricultural loans of China Rural Commercial Banks in China, by the end of May 2008
Asset Structure of China Banking Industry, Dec 2008
New Rural Financial Institutions, by the end of June 2009
TOP 10 Counties in China, 2003-2009
Difference between Rural Commercial Banks and Rural Cooperative Banks
List of China Rural Commercial Banks
Total Assets of Some Rural Commercial Banks
Capital Adequacy Ratio of Some Rural Commercial Banks, by the end of Dec 2008
Non-performing Loan Ratio of Some Rural Commercial Banks, by the end of Dec 2008
Ranking of China Rural Commercial Banks, 2008
Operation and Key Accounting Indicators of Zhangjiagang Rural Commercial Bank, by 2009
Key Financial Data of Shanghai Rural Commercial Bank for 3 Years, by 2009
Key Accounting Data and Financial Indicators of Beijing Rural Commercial Bank for 3 Years, by 2009
Key Accounting Data and Financial Indicators of Shenzhen Rural Commercial Bank for 2 Years, by 2009
Key Financial Indicators of Wujiang Rural Commercial Bank, 2008
Key Accounting Data of Taicang Rural Commercial Bank, 2008
Key Accounting Data of Wujin Rural Commercial Bank, 2009
Accounting Data of Xizhou Rural Commercial Bank for 3 Years, by 2009
Key Accounting Data of Kunshan Rural Commercial Bank, 2009
Key Accounting Data and Financial Indicators for 3 Years, by 2009
SME Loans / Agriculture，Rural Areas and Peasantry Loans of Some Rural Commercial Banks, by the end of Dec 2008
Agricultural Loans of China Rural Commercial Banks in China, by the end of May 2008
Distribution of Banks and Financial Institutions in Chinese Rural Areas, by the end of July 2008
Small Business Loan Balance and Number of Enterprises That Obtain Loans of Chinese Banks and Financial Institutions, by the end of July 2008
SME Loans / Agriculture，Rural Areas and Peasantry Loans of Some Rural Commercial Banks, by the end of Dec 2008