The Research On The LX Rural Commercial Bank's Mission Drift

The report of the 19th National Congress of the Communist Party of China made a major strategic judgment on "Socialism with Chinese characteristics entered a new era." The problems of rural areas,agriculture,and peasants are fundamental issues of socialism with Chinese characteristics,and have been issued the No.1 document for more than 20 years.The way constantly emphasizes the important work of this whole party.The development of modern rural areas,agriculture and peasants is inseparable from the strong support of finance.China has carried out long-term exploration and reform of rural finance in order to achieve the optimal state of matching rural financial development with rural economic development.The transformation of rural credit cooperatives into rural commercial banks is the most important exploration.The rural commercial banks in the new era also shoulder the dual goals of policy and profitability.However,from a practical point of view,rural commercial banks have excessive pursuit of profitability goals,and there is a significant “Mission Drift” phenomenon.Therefore,systematic and in-depth analysis of the practical case of LX rural commercial bank's mission drift has important theoretical and practical significance for narrowing the gap between the rich and the poor,deepening rural financial reform,and building a well-off society in an all-round way.This paper first proposes why the problem of mission migration should be studied.Then,the concept of mission migration is defined,and the relevant theories of mission migration are systematically sorted out,and the specific connotation of dual objectives is scientifically defined,and the production possibility curve is applied.And the indifference curve is used to analyze the conflict mechanism of the dual target.Thirdly,the LX city economy and industrial structure and the basic situation of the LX rural commercial bank,the organization and operation structure,and the main business are sorted out and constructed.LX rural commercial bank 's mission offset index system and hierarchical structure model,calculate the weight of the hierarchical structure model,and calculate the score of LX rural commercial bank 's mission offset index;fourth,the average loan size is large,agriculture-related loans Five aspects,such as low ratio,high average loan interest rate,uneven organization establishment,and small number of financial products,analyze the reasons for the deviation of LX rural commercial bank's mission.Fifth,the mission drift of foreign rural commercial banks The experience of governance is summarized,and then based on the experience,the scheme of governance mission offset is designed for LX rural commercial bank.The innovations of this paper are as follows: Firstly,the index system of rural commercial banks' mission deviation is constructed,and the indexing criteria of indicators are designed in combination with the mission deviation index system.Secondly,reference is made to foreign commercial banks and policy-level governance missions.The experience of offset has designed a mission-shifting governance program for LX rural commercial bank.