Study On The Corporate Governance Of Credit Cooperative In Rural Areas

The reform and development of credit cooperative in rural areas is one ofmost imminent and supreme subjects in current finance reform anddevelopment, but the corporate governance is key link of stage in deepeningcredit cooperative in rural areas reform. The perfect corporate governance is asystem guarantee that pledges the company can steer the proper decision andavoid making heavy loss. The rational corporate governance can rise theactivity of managers, supervise and restrict managers effectively .In recentyears, some international organizations such as economic cooperationorganization, the international audit organization, all of them promote standardcorporate governance. The Basel bank supervisor committee also proposed theprinciples normalizing the corporate governance. To practice the corporategovernance has formed the global coordinating trend. Steering comprehensivereform to the credit cooperative in rural areas in our country, completingcorporate governance is an important content to boost the competition ability.Credit cooperative in rural areas cause problem that owner right is void andstaff management in long time development. To ameliorate the condition, wemust face the defects of corporate governance; try to take measures improvingit. It is important to establish modern enterprise system in the creditcooperative in rural areas.The paper contents includes present condition, background, practice refers from foreign bank about the corporate governance in credit cooperative in rural areas. Obtain the below object: One, edit the notion and theory system of the corporate governance; Two, discuss the source of defective in the corporate governance in credit cooperative in rural areas; Three, the summary of abroad bank 's experience to establish the corporate governance; Four, propose policy submitting to the further perfect the corporate governance in credit cooperative in rural areas; Paper including several parts:First part is preface; it includes choosing target and meaning of the paper, the history of the credit cooperative in rural areas, the concept of the corporategovernance, the main contents of the paper. First, I point out the perfect of corporate governance is a key of credit cooperative in rural areas. The next in order, I introduce the history of the credit cooperative in rural areas. Then, analyze the concept of the corporate governance. Ultimately, pointing out the main contents, research method and expected goal.The second part is basic theory and the corporate governance of company. The third part is present condition and exist problem in the corporate governance in credit cooperative in rural areas.The fourth part analyzes the source of defects of corporate governance in credit cooperative in rural areas. Chief problem is an owner right is not defined. Owner of credit cooperative in rural areas is opaque. Analyze it by quantity; looking from the system varying of the credit cooperative in rural areas, it has the obvious " government-operated" character. The next, the system of owner right is not perfect. The third exterior manages is slide. Compatible restraint with motivate, and the motivate mechanism distorts. The fifth, the asymmetry of information makes the internal body of credit cooperative in rural areas is managed by personal will is unavoidable. There is an entity information asymmetry between credit cooperative in rural areas and admission corporate; credit cooperative in rural areas is information asymmetry with the county cooperative bank.The fifth part is to study the experience of abroad bank on the corporate governance. Comparison of the variant bank corporate has reference worth to credit cooperative in rural areas. Because of financial environmental diversity, there is different bank corporate governance in the world. I analyze most typical bank management mode: the mode in British and American, the mode in France and German, the mode of the Holland co - operative bank .The Holland Cooperative Bank' corporate governance is to drive two corporative organs and root on basic organs. Each a trade has a set of complete inner managing mechanism, can realize staff are monitored effectively.The sixth part is the perfect of the corporate governance in creditcooperative in rural areas. The first we should the perfect equities system .The next is to establish encourage and restrict mechanism. The third is to realize creative of management system. The fourth is to sets up the exterior governance structure. Leading into the market compete, establish market secede mechanism to the credit cooperative in rural areas , drawing the financial law on the corporate governance, to define it by ^financial corporation law)) as soon as possible, to fix the corporate governance down in the law form, establish the completive manager market.