Research On Supervision Work And Countermeasures Of Community Banks In Yingkou

With the rapid development of modern agriculture and the comprehensive promotion of the construction of new socialist countryside,in order to improve the current situation of community finance supply in China,solve the problems of low bank network coverage and insufficient competition.In March 2007,the first community bank in China was listed and opened in Jincheng town,Yilong county,Sichuan province.To implement the policy requirements,three community banks were established in Yingkou from 2008 to 2010,realizing the full coverage of the county,which marked a major breakthrough in the rural financial reform in Yingkou.Community banks,as a new type of rural financial institutions,with the advantages of short chains of small legal persons and fast decision-making,give full play to“ cat fish effect” of county financial institutions and effectively activate the competition in rural financial market.However,with the development of community banks,the problem of stepping red line and exceeding the standard in operation is gradually exposed.Therefore,it is still necessary to further study how to solve the problems existing in the operation of community banks by improving the supervision methods of community banks.This paper briefly expounds the purpose of the topic selection and the significance of there search,summarizes the domestic and foreign research literature,explains the key words involved in the paper,and defines the research content,ideas and methods.Secondly,through literature analysis,inductive analysis and other methods,this paper analyzes the basic situation of the supervision of Yingkou community banks from the supervision system structure,supervision methods of Yingkou community banks and the current working status.Accordance with the regulation again found the Yingkou community bank supervision,such as incomplete local financial regulation system,supervision system requirements and bank there is a deviation,off-site monitoring ability is insufficient,on-site inspection,the effect is not strong in four aspects,in view of the problems found in in-depth analysis it is concluded that the cause of the problem to a lack of organization and coordination in supervision mechanism is not perfect,the legal supervision system is not sound,as a result of divorced from reality,supervision of subject ability is insufficient regulation effect is not strong,the community bank itself insufficient regulation quality,and the effect is not strong.By analyzing and comparing the supervision actions of community banks.In the United States,the supervision policies of microfinance institutions in India,and the supervision experiences of community Banks in Maoming and Rizhao insurance regulatory bureaus in China,this paper lays a foundation for the improvement of the supervision of community banks in Yingkou city.Combined with the advanced supervision experience at home and abroad,the paper finally puts forward corresponding policy Suggestions from four aspects: optimizing the supervision function and organizational structure,optimizing the legal construction of community banks,comprehensively improving the supervision ability and giving full play to the leading role of supervision.