Study On The Problems And Countermeasures Of Government Supervision On Sichuan Rural Credit Union

Rural credit union is an important part and special group of Chinese banking industry,which make outstanding contributions to the financing of small and medium-sized enterprises and the development of county economy.At present,the reform of rural credit union in China has entered the deep water period.With the implementation of Rural Revitalization Strategy and the uncertainties brought by COVID-19,it is both an opportunity and a challenge for the development of rural credit union.The normal and steady operation and development of rural credit union is an important indicator to measure the level of local economic development,and it is also related to the stability of the financial environment in rural areas in China.The integration of regulatory departments,functional reconstruction and other factors make the government supervision of rural credit union face great pressure.How to better improve the administrative efficiency of multi department collaborative governance and other aspects,this paper has done some involved.This paper chooses Sichuan rural credit union as the research object,from the perspective of government supervision,combined with the actual situation of Sichuan Province,draws lessons from the existing theoretical achievements of public management,and based on the comprehensive use of literature research method,investigation research method and other methods,carries out the research according to the route of "theoretical research problem finding cause analysis countermeasures".First of all,on the premise of consulting a large number of domestic and foreign related research literature,this paper deeply analyzes the current situation and measures of government supervision of rural credit union in Sichuan Province,and concludes that there are four problems at present:imperfect supervision laws and regulations,lagging legislation process,the supervision mechanism is not perfect,single supervision mode and insufficient supervision resources,And in-depth analysis of the causes of these problems.Finally,from four different directions,the paper puts forward the improvement countermeasures of government supervision of rural credit union in Sichuan Province.This paper believes that through the improvement of government supervision of Sichuan rural credit union,we can further strengthen the benign interaction mechanism between government supervision departments and rural credit union,effectively prevent financial risks,and provide external power for the development of Sichuan rural credit union.Combining theory with practice,this paper comprehensively analyzes the current situation and existing problems of government supervision of rural credit union in Sichuan Province,and puts forward some feasible suggestions,such as changing the way of local government participation in supervision,improving laws and regulations,It is also expected that the countermeasures proposed in this paper can be applied to the future regulatory practice and achieve better regulatory results.