The Research On The Corporate Governace Of Jiangsu Rural Commercial Bank

Rural Credit Cooperatives have gone through over 60 years of ups and downs in China.During these 60 years,especially the 30 years after reform and opening up,China's rural credit cooperatives have made great achievements with the rapid development of economy and the refonn has entered into a new stage.The direction and path of reforam of rural credit cooperatives,however,have been the focus of domestic practice departments and academic research fields,and many academic papers have been published.However,due to the lack of onsite practice theories and practices,researches that combine practices are not enough,which results in the flaws of some reform measures and the inadaptation of the practical needs of development of China's rural economic development and rural credit industry.Some old problems such as internal control,unclearness of property ownership,and the embarrassing status of provincial association have not been solved.While with the economic develpoment's entering into a new and normal state,some new problems have emerged,such as how can the provincial association adapt to the administrative reform,how to adapt to "Internet +",development,how to straighten the relationship between business management and legal autonomy,and so on.With the deepening of China's economic reform,especially under the situation that the“three rural"”situation has undergone great changes,the lagging problems the reform of rural credit cooperatives have become obvious,and new problems have also been exposed to the current provincial association system,which to some extent affected the improvement of rural financial services and restricted the construction of new socialist countryside.Under such background,this paper firstly taking Jiangsu Province as an example,it analyses new round effects of reform of rural credit cooperatives in Jiangsu Province,and illustrates the existing problems that rural credit cooperatives have in terms of corporate govermance.Secondly,aimed at the existing problems and situational tasks,this paper provides measures for improving governing of cooperatives,and reformational thoughts for changing the united system of rural credit cooperatives in Jiangsu into rural commercial bank holding companies.We make Jiangsu rural credit union association into Jiangsu rural commercial holding bank company,maintaining current two-stage,basic-level cooperate form while changing the current awkward situation,where there is no distinction between the function of government and enterprises in provincial cooperative.In that case,we establish a real benefit comnunity between the provincial cooperative and basic-level body cooperative,regard the capital as the linkage,which could represent the provincial government to administrate rural commercial bank of the whole province.