Study On The Influence Of W Agricultural Commercial Bank's Equity Structure

Rural commercial banks are an integral part of the domestic banking system,and their effective operation is the key to ensuring the success of the domestic financial system reform.Since entering the new stage of the transformation of rural commercial banks,the rural credit cooperatives have immediately demonstrated flexible decision-making mechanisms and efficient management advantages.With the development of the economy,the business risks of the rural commercial banks are gradually exposed,the economic environment continues to decline and the fierce market competition atmosphere brings new challenges to the rural commercial banks that are the main financial force for county economic development.The prevention of systemic financial risks is Under the current situation of the three major battles,the banking industry returns to the source,focuses on the main business,serves the real economy,strengthens corporate governance is the current situation,and the shareholding structure is at the core of bank corporate governance.A reasonable shareholding structure not only helps.Continued and stable operation of the bank can also guarantee the interests of shareholders and regulate the behavior of shareholders.W Rural Commercial Bank has experienced deepening reform of enterprises.It has been transformed from a credit cooperative to a rural commercial bank.In the face of changes in the adjustment and adjustment of the industrial structure of the country's macro economy,it is still in a period of pain,and its business performance is facing a test,with a long-term downward trend..The ownership structure is regarded as the basis of corporate governance research,and the result of strengthening corporate governance of commercial banks is ultimately reflected in the improvement of bank operating performance.Therefore,this paper analyzes the equity structure of rural commercial banks from the perspective of corporate governance.W rural commercial banks operating performance indicators as a reference,analysis of the impact of W rural commercial banks' equity structure and propose optimization measures.This paper takes W Agriculture and Commercial Bank as a case study and conducts an in-depth analysis of the bank's shareholding structure.First of all,this paper describes the research background and finds the relevant research results at home and abroad as the basis of this study.Secondly,this paper discusses related concepts and theories,including the concepts of rural commercial banks,shareholding structure and corporate governance,and uses relevant theories such as principal-agent theory and property rights theory.Thirdly,this paper analyzes the ownership structure of W Rural Commercial Bank from two aspects.First,it analyzes the corporate governance from the development of W Rural Commercial Bank and the corporate governance structure.Secondly,it analyzes the characteristics of WC's shareholding structure from three aspects: equity nature,equity concentration and equity balance.Finally,this paper selects ROA and ROE as indicators to measure business performance,and analyzes the impact of WC's shareholding structure on business performance.On the basis of the research on the ownership structure of W Rural Commercial Bank,the problems of the existing problems are summarized and summarized,and the countermeasures and suggestions for strengthening the equity optimization are put forward.The combination of practice and theory,theory to practice,and practice of regression theory are put forward.