Corporate Governance Issues And Suggestions Of Rural Commercial Bank

As a new type of rural joint-stock commercial banks and rural financial institutions, the rural commercial banks’corporate governance must respect the modern financial enterprise basic rules of corporate governance, but also to meet the characteristics of joint-stock commercial banks in rural areas. At present in China, rural commercial banks’ corporate governance has no mature theoretical framework, and it just stays at the exploratory strategy on the practical level. On the status of rural commercial banks in terms of corporate governance, the research at home and abroad has not yet formed a relatively mature theoretical system, most of the general public is an imitation of the theory of judicial governance structure, or even the corporate governance structure is the general theory of completely copy form, without taking into account the company’s commercial banks and the general difference, ignoring the commercial bank’s own characteristics. However, with the continuous improvement of domestic and foreign legislation, legislative, judicial countries shows a trend of reforming banking corporate governance structure, making the relevant theoretical research also continue to deepen.In this paper, it uses the combination of theory and practical methods, from the perspective of corporate governance theory to find out the rural commercial banks in operation problems. Under the background of the current problem of the development process of China’s rural credit cooperatives and rural credit cooperatives, and through the analysis of development of three early reformed rural commercial banks, it found that during the process of corporate governance, ownership structure does not exist reasonable phenomenon, and also there is internal problem of inadequate regulatory mechanisms, the market lacks of effective restraint and a reasonable incentive mechanism. To this end, through the substantial introduction of the theory of corporate governance, it takes measures on the rural commercial banks in corporate governance process, which include the establishment of a sound organizational structure and ownership structure, the establishment of a reasonable salary incentive mechanism, a clear market positioning, establishing and improving the supervision mechanism, and improving enterprise risk management capabilities and optimization of human resources and so on. Only through constant awareness of the problems of corporate governance, Rural commercial banks are able to take appropriate measures to solve the problem.