| Foreign banks and banks refer to foreign financial institutions that have established financial institutions in China's rural areas to serve local farmers,agriculture and rural economic development after obtaining approval from the China Banking Regulatory Commission in line with the laws and regulations of China.In our country,the establishment of the original intention of the village bank is to support the "three rural",and its general commercial banks in the nature of the difference,its role is to support the local economy,improve the "three rural" financing problem,Small business loans.However,China's foreign banks and villages in the development process encountered many problems,such as market access is imperfect,credit system construction is backward,corporate governance structure is not in place and so on.The homogeneity of the farm produce causes the difficult in sales,which also affect the loan repayment ability and increase the rate of bad account.Foreign banks in rural area are understaffed in post-loan supervision.To cover the shortage of supervision staff,it might increase the cost.The boards of directors appoint few supervision staffs to save the cost,which will affect the quality of post-loan management.The thesis is focus on the shortage of post-loan supervision in rural area.And using the achievement of foreign community banks supervision laws as reference,it offers a complete supervision system.Firstly it should strictly follow the principle of supporting agriculture,and refine the rules based on the economic divergence.Then it should choose the shareholders with good willing with same common ideas for supporting the agriculture rather than making profits.It shall improve the pre-supervision system before the market exit mechanism.And to focus on the pre-control in details can prevent the bankrupt.According to the markets structure,it shall divided the segregation of duties based on the departments to developing synergism and binding constraints. |
PDF Full Text Request