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.

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.

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

Selected Charts

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