Research On Corporate Governance And Supervision Of Rural Commercial Banks

In accordance with the requirements of the State Council on deepening the reform of rural credit cooperatives,a large number of rural credit cooperatives in my country have become rural commercial banks through shareholding reforms.In the process of restructuring,a large amount of historical burdens of the original rural credit cooperatives were digested,and the capital adequacy ratio,asset quality,and profitability of rural commercial banks after the restructuring were greatly improved.However,after nearly two decades of reforms,its corporate governance system is still not perfect.Decentralized ownership,administrativeization of provincial association management,and lack of social supervision have caused its corporate governance mechanism to fail to play its due role.In recent years,the frequent risk of small and medium banks has exposed the shortcomings of the current corporate governance model of rural commercial banks.In terms of external supervision,due to the imperfect supervision system,imperfect system,and lack of supervision methods,it has also affected the correction and improvement of the corporate governance of rural commercial banks.This paper takes the corporate governance supervision of rural commercial banks as the research object,according to the research idea of "theoretical analysis-problem analysis-cause analysis-countermeasure analysis",on the basis of public interest theory,financial vulnerability theory and financial constraint theory,combined with the specific case of rural commercial bank supervision in Y city,This paper deeply analyzes the main authority disputes,imperfect system,low efficiency and other problems existing in the current corporate governance supervision of rural commercial banks.Based on the in-depth analysis of the governance development and supervision experience of American community bank,French agricultural credit bank and German Cooperative Bank,this paper puts forward some suggestions to improve the corporate governance supervision of rural commercial banks from four aspects: the construction of supervision system,the improvement of supervision mode,the construction of supervision supporting facilities and the improvement of rural commercial banks.This paper is divided into six parts: the first part is the introduction,which expounds the research background and significance,combs and evaluates the relevant literature research at home and abroad,and introduces the research ideas and methods.The second part is the concept definition and theoretical basis.This paper defines the concepts of rural commercial banks,corporate governance and banking supervision,and expounds the relevant theoretical basis.The third and fourth parts are the core parts.Combined with the specific case of Y City,this paper makes an in-depth analysis of the current situation and problems of corporate governance supervision of rural commercial banks in China.The fifth and sixth parts are countermeasure research,based on the reality of corporate governance supervision of rural commercial banks,learn from international experience and put forward relevant suggestions.