Research On The Path Of Improving The Incentive Mechanism Of Rural Credit Cooperatives

The development of rural finance has always been the focus of the development of China's financial sector, rural credit cooperatives play an increasingly important role in promoting the "three rural" development and support the financial development of rural areas. Compared with other commercial banks, rural credit cooperatives have their own special mission and the special position, and the key to promote the rural credit cooperatives long-term healthy development is to perfect its performance evaluation system, in recent years, improving the performance of rural credit cooperatives incentive system, gradually become the research focus of many experts and scholars.In this paper, by way of questionnaire survey, taking Tengzhou rural commercial bank as the case analysis, by using the efficacy coefficient method, the content of the study, the research contents include the following three aspects:the first is the system of current performance evaluation system of Tengzhou rural commercial bank; the second is the existence of the Tengzhou rural commercial bank performance evaluation system is researched, and combined with the development status of Tengzhou Rural Commercial Bank, behind the causes of performance evaluation the system is analyzed; the third is on the path to improve the incentive mechanism of Tengzhou rural commercial banks continue to improve management, from the process, strengthening performance control, improve the quality of staff, improve the corporate governance structure and other aspects of the path of improving the performance appraisal system.The main conclusions of this study include the following three aspects:the first one is the current performance evaluation method and evaluation index of Tengzhou rural commercial bank to be perfect, the particularity of rural commercial bank characteristics and service groups of its own existence. The second is the main problem of the performance evaluation in the Tengzhou rural commercial bank management focuses on the internal control system is not perfect, imperfect corporate governance structure, incentive and restraint mechanism is not sufficient, weak supervision and management; the third is the reflection of the performance evaluation is the result of operation, the development potential of the internal control system, etc., is conducive to their own to improve the management level of Tengzhou rural commercial bank performance evaluation system, can also provide a series of valuable reference to the Administration Department of financial supervision and audit of economic responsibility, and gradually improve the management level of rural commercial bank.