Research On The Board Of Supervisors System Of Rural Cooperative Banks In China

"Three Rural Issues" related to China's stability and development is a key problem. And rural credit cooperatives, as a major force of rural financial markets in a fairly long period of time, continue to bear the responsibility of serving "Three Rural Issues". Since 2003 rural credit cooperatives have experienced the fate of the reform, showing three models:one, cooperative system, second, shareholding pattern and third, joint-stock system model based on cooperative system. Rural cooperative banks belong to the third mode, on the basis of a cooperative joint-stock system. It has its own independent corporation structure and operation mechanism. The running quality of rural cooperative bank is not only directly related to the bank's own development, growth and market competitiveness and share, but also related to the amount of effective allocation of resources in rural areas and rural economic growth. Science, sound corporate governance structure will not only help the rural cooperative banks out of the low efficiency and weak operating performance, but also can enhance the competitiveness of rural cooperative banks, adapting to the market economy.Corporate governance structure of Rural Cooperative Bank includes general meeting of shareholders, board of directors and board of supervisors. The board of supervisors system has been consistent with the company or commercial bank supervisory system, which is the rural cooperative bank's internal oversight body. In the current existence of rural cooperative banks there is "equity absence" phenomenon, equity spread, the low quality of a natural person shareholders and the lack of expertise in corporate governance. corporate.Because management costs are high and corporate shareholders give up the bank's management, leading to management of the decision-making power and the formation of "insider" control phenomenon; In the past the credit union took action in accordance with administrative instructions. Nevertheless after the reform rural cooperative banks are not free from administrative interference and keep strong administrative interference colors, subsequently internal affairs of banks became the final say in the government and higher association, and the board of supervisors become a mere formality; the insufficient independence of the board of supervisors, terms of ambiguity, etc., in practice there are too many problems; the phenomenon of passing the buck to each other often take place between the board of supervisors and independent directors, as well as existence of coordination. And now number of rural cooperative banks increase fast, and more and more people are concerned with the drawbacks of the board of supervisors system, whereas there is no law on rural cooperative banks and the board of supervisors system of rural cooperative banks therefore are not standardized, thus rural cooperative bank's board of supervisors system has become the status quo analysis and sound research themes of this article.This article studies the basic theory and value of the board of supervisors on the basis of efficacy, combined with China's rural cooperative banks and the status of the board of supervisors problems and the status of the board of supervisors of the relevant factors and existing problems, indicating how to improve the bank's board of supervisors of China's rural cooperative system.The innovation of this article is mainly reflected in:First, innovation of topics. Board of Supervisors acts as a permanent body of China's rural cooperative banks, in whose system there are serious flaws under the effect of the past system of rural credit cooperatives, but China has not yet developed the law on rural cooperative banks, low coverage and the defect of low-level effectiveness of CBRC's requirement make a systematic study of the system become very necessary.Second, innovation of the contents of this article. (1) innovation of the depth and breadth of research on the board of supervisors system of rural cooperative banks. (2) be concerned about the impact of system on the board of supervisors.The deficiency of this article:As the limited collection of information and the limited capacity of the author, this article can not perfect the board of supervisors system of China's rural cooperative banks in the comparative law perspective, by learning the essence of foreign cooperative bank supervisory system, but also can not deepen the research of perfecting this board of supervisors system of rural cooperative banks. But I believe, with the development of China's rural cooperative banks, there will be more scholars and legal professionals to be concerned about this and make more in-depth study.