In transition society in China, stated-owned commercial banks(SCBs) and rural credit cooperatives(RCCs) as well are facing the severe problems.

• 在向市场经济转轨的中国社会，这不仅是国有商业银行面对的一项严峻而紧迫的经济课题，更是广大农村信用社急需解决的经济问题。