Research On "Cooperative" Mission Drift Of Rural Commercial Bank

2020 is the year to achieve the goal of building a well-off society in an all-round way,and the Party Central Committee believes that the outstanding short board in the field of “agriculture,the countryside and farmers”of overall well-off society must be made up.The effective solution of the “agriculture,countryside and farmers” problem can not be separated from the strong support of rural finance.As the main force of rural finance,rural commercial bank bear social responsibility in serving the“agriculture,the countryside and farmers”.The Development of Rural Commercial Banks in China has always been a dual goal:financial sustainable business objectives and cooperation objectives for services between agriculture,countryside and farmers.With the advance of stock system reform,the agricultural and commercial behavior has achieved the goal of sustainable management and gradually deviated from the goal of serving the “agriculture,the countryside and farmers”,and the problem of“cooperative” mission drift deviation of agricultural and commercial bank is highlighted.Adversely affect the current “agriculture,the countryside and farmers”,rural revitalization and even the overall construction of a well-off society.Therefore,combining the economic theory to systematically study the theoretical basis,expression form,formation reason and coping policy of the “cooperative” mission drift of rural commercial bank is of great significance to the improvement of rural financial reform.According to the theory of evaluation system of rural commercial bank,this paper holds that there is no “incentive compatibility” between the dual objectives of agricultural and commercial bank in China.Secondly,from the inclusive financial development theory and information asymmetry,the risk and cost of agricultural loan seriously restrict the enthusiasm of agricultural firms to support agriculture,and further aggravate the “cooperative” mission drift.In view of the availability and validity of the data,this paper selects the management data of some county agricultural firms in Jiangxi province as the research sample,analyzes the performance of “cooperative” target offset from three aspects: the management idea,the service object and the national agricultural firm's management mode.Thirdly,in order to verify the cause of the “cooperative” mission drift of rural commercial bank in China,this paper establishes the decision-making model of credit resource allocation of agricultural commercial bank.Based on the fixed cost of agricultural loan is larger than the fixed cost of non-agricultural loan,the analysis of agricultural loan will decrease with the increase of the fixed cost difference between agricultural loan and non-agricultural loan;The further combining panel with quantile panel model put forward that when other conditions are certain,the higher the proportion of the agricultural loan to the total loan will lead to the increase of the risk cost of the agricultural and commercial bank,which will cause the “cooperative”target deviation.The sample passed the robustness test,and the results showed that the agricultural loan business not only has high fixed cost,but also the potential risk cost.In pursuit of business sustainability,agricultural firms will inevitably restrain the amount of agricultural loan,that is,“cooperative” target offset problem.Finally,taking the case of “Tianya Seed + Farmers” as an example,this paper puts forward some suggestions on how to correct the “cooperative” mission drift of rural commercial bank,so that rural commercial bank can get through “the last kilometer” of rural finance.