Study On The Optimization Of Governance Structure Of A Rural Commercial Bank

Rural commercial banks have become an important part of China's banking system,and their effective operation is also the key to ensure the success of China's financial system reform.The reform of rural credit cooperatives in 2010 turned into a new stage of rural commercial banks.Efficient decision-making mechanism,flexible management is the bank for small and medium-sized commercial banks,however,the rural commercial bank set up after the success of corporate governance has been improved,but there are still many problems in the ownership structure,decision-making structure,supervision structure,incentive mechanism,information disclosure mechanism of governance should be further improved,so the governance structural optimization issues worthy of discussion of the rural commercial banks,rural commercial banks to provide the impetus for business development.In this context,this paper combed the background of the reform and transformation of rural commercial banks,and targeted in-depth analysis of the corporate governance structure of A rural commercial banks.From the current situation of A rural commercial bank governance structure and the existing problems,and pointed out that A rural commercial banks exist in the problem: shareholders' power is difficult to play,the power of shareholders,the board of directors to safeguard duty confusion,board of supervisors and senior management of Power Co.,lack of effective incentive,and put forward the construction of corporate governance structure imperative.One is in the aspects of governance structure optimization,this paper analyses the internal and external factors on the impact of commercial bank governance in rural areas;two is to optimize the governance structure of A rural commercial bank according to the principle of separation of ownership structure,reasonable ownership and control principle,stakeholder participation in governance principles,to achieve through the optimization of internal structure optimization is put forward;three A rural commercial bank governance structure and governance mechanism optimization design,through the design of governance mechanism A rural commercial bank overall company,to ensure the supervision function of the board of directors and the board of supervisors of the core position,and from the perfection of the governance mechanism,the decision-making mechanism,incentive mechanism and constraint mechanism,such as internal supervision;he four is the conclusion to the current rural commercial bank and intensified competition of banking to achieve stable and sustainable development,strengthen corporate governance,the construction of modern corporate governance structure put forward higher requirements.Study on A rural commercial bank corporate governance structure,analyzes the corporate governance structure of rural commercial bank,ownership,board of directors and board of supervisors,the management incentive mechanism construction is reasonable,and objectively evaluate the overall level of small and medium sized commercial banks' corporate governance? Will provide a reference for further improvement and promote the construction of governance mechanism small and medium-sized banks,also for each small and medium-sized commercial banks to speed up the establishment and provide an important basis for improving the corporate governance system,a positive role for the reform and development of small and medium commercial banks play.