On The Reform Effect Analysis And Related Countermeasures Of L Rural Commercial Bank

The development of rural economy in the new era cannot be separated from financial support.Rural industrial development,new rural construction and Rural Revitalization require a lot of capital investment.After the decisive victory in poverty alleviation,rural development has ushered in a new journey.Governments at the national,provincial,municipal and county levels are further increasing financial and tax investment support,However,a very important part of the funds come from financial institutions.As the most important part of rural financial institutions,rural credit cooperatives play a great role in supporting rural economic construction and promoting local rural social and economic development.This paper selects Qujing rural credit cooperative association as the research object,studies the literature theory of the reform of rural credit cooperatives at home and abroad,collects and sorts out the relevant policies and regulations of the central,provincial and municipal governments,understands and grasps the reform status of national credit cooperatives,the economic and financial situation of Qujing City and the reform status of Qujing rural credit cooperatives,analyzes and summarizes the characteristics of the reform process of Qujing rural credit cooperatives,Focus on the research and analysis of the rural credit cooperatives in L County,Qujing City,which have completed the restructuring,combine the questionnaire with the field visit and discussion,and use the methods of case study,comparison,induction and deduction to carry out the comparative analysis before and after the restructuring,including the company’s business indicators,governance structure,risk prevention and control,internal management,etc.based on its actual situation,This paper analyzes the reform effect of L County Rural Credit Cooperatives,affirms that the reform has made certain achievements,obtains the results and experience after the reform,finds out the gaps and deficiencies,deeply analyzes the causes of the problems,and summarizes and puts forward the reform direction and promotion path.Generally speaking,the restructuring of rural credit cooperatives in L County of Qujing City has made remarkable achievements,but there are also many problems and contradictions;There are still obstacles to the establishment of equity,the corporate governance structure is not perfect,the "three meetings and one layer" function does not play a significant role,the improvement of operating efficiency depends on policies,the pressure of risk control is still huge,the internal management mechanism and supervision mechanism are not perfect,and the incentive and restraint mechanism needs to be improved.It is proposed to deepen the equity reform of rural credit cooperatives,clarify the property right relationship and improve the corporate governance structure,Innovate the internal control system,improve the risk prevention ability,comprehensively improve the operation effect.