| As an important component of the financial institutions of Chinese banking,village and town banks are important financial organizations supporting agricultural development and an innovation and exploration of rural financial system.The establishment of village and town banks can more effectively serve "agriculture,rural areas and farmers" and contribute to promoting the construction of new countryside more efficiently.Since 2007,rural banks have experienced from the initial stage to the rapid expansion stage,entered the stage of strict supervision in 2017,and gradually began to shrink from 2020.In recent years,affected by the overall economic downturn,the COVID-19 epidemic and other adverse factors,rural banks have faced great challenges and pressures in terms of corporate governance,business development,profitability,asset quality and other aspects,which also restricted the sound operation of rural banks and their role in serving "agriculture,rural areas and farmers".Domestic academic research on rural banks mainly focuses on the risk management of rural banks,and there are few studies on the supervision of rural banks from the perspective of government functions.This paper adopts literature research method and case analysis method,selects rural banks in S city as the research object,introduces the core concepts of rural banks and government regulation,expounds the theory of government regulation,the theory of collaborative governance,the theory of information asymmetry,the theory of financial regulation and other relevant theoretical basis,and analyzes its application in government regulation.This paper briefly expounds the basic situation of rural banks in S City,and analyzes the status quo and achievements of government supervision from three aspects: supervision subject and responsibility,main content of supervision,supervision methods and means.From the perspective of the government’s practical implementation of the supervision function of rural banks,this paper finds the existing problems in the government supervision of rural banks in S city through in-depth investigation,which mainly include the lack of targeted supervision system,the lack of coordination among regulatory bodies,and the insufficient effectiveness of government supervision.Secondly,this paper analyzes the reasons for the above problems and points out three main reasons for the government regulation of rural banks,including the deviation of regulatory positioning,the complexity caused by multiple regulatory bodies,and the impact of financial ecological environment.Finally,based on the perspective of governmental supervision of rural banks,this paper puts forward countermeasures conducive to governmental supervision of rural banks in S city.From the aspects of promoting institutional construction,effective participation of multiple subjects,and realizing collaborative information sharing,this paper continuously improves the regulatory system and mechanism,and improves the quality and effectiveness of governmental supervision of rural banks. |
