| Rural co-corporate finance is not a new-born thing in China. As a representative of rural co-corporate finance, rural credit co-operatives are financial institution for the economic development of agriculture, peasantry and village;are main forces of agricultural finance; are linked with immense countrymen. But its track of development had diverged from the normal in the past. With the development of the rural economics and gradual advancement of the reform of rural financial system, some existing basic problems about rural credit co-operatives had been gradually exposed, for example not having clarifying ownership and corporate goveranceAccompanying the development of the rural credit co-operative, the supervision for it has been gradually improved. In the course of the cooperate finance supervision, there are a lot of questions, for example: supervision putting emphasis on standard and market and overlooking risk and ordinary management , establishment of on-site examination items ignore sciance and plan, off-site surveillance has been passively tackled and lack foreseeing, and so on. Probe into its cause: first, frangibility of base of supervision system: second, old supervisory ideas, the content of supervision not giving prominence to the requirement of prudential rules; third, paying attention to external supervision and overlooking the importance of internal control.Therefore, beginning with the analyses of validity of rural co-corporate finance supervision ,this paper makes an attempt to devised a valuation systems in regard to existing questions. Furthermore, a series of revelation is obtained in contrast with the validity of banking supervision in the United States, Japan and Germany . Finally,the paper puts forwards some corresponding countermeasures from three aspects such as improving the ability of bank supervision department ,boosting up the banks ability of bosom control, builduping a harmonious circumstance of upervision and suggestion. |
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