Research On The Countermeasures Of LH Rural Commercial Bank's Equity Management

Rural Credit Union and Rural Commercial Bank are deeply rooted in rural areas of China.They are the main force of rural finance and the financial link connecting farmers.As a large agricultural province,the rural economic development in Henan is inseparable from rural financial institutions.Henan Rural Credit Union is the largest financial institution and the main force to support the rural economic development in the Province.In 2015,Henan Province initiated the reform of Rural Credit Union.Until the end of 2018,the three-year action plan for the establishment of Rural Commercial Bank in the province was overall completed.Among the 139 legal institutions,108 were listed as Rural Commercial Bank,and the remaining 31 has been approved to build or was in the process of preparing for the establishment.With the continuous progress of the restructuring of agricultural and commercial banks,the number of newly established agricultural and commercial banks in the financial market continues to increase,the scale of assets and operating efficiency are steadily improved,the ownership structure has been optimized,the capital adequacy ratio and loan reserve ratio indicators have steadily increased,and the non-performing loan rate has steadily declined,which plays an obvious role in supporting local economic development.With the rapid development of the economy,the financial risk is gradually exposed,and the financial risk in the prevention of systemic is the first of the three major battles.The banking industry returns to its roots,focuses on its main business,serves the real economy,and continuously strengthens corporate governance to meet the need in the current situation.The changing external business environment and the increasingly fierce market competition situation have brought new challenges to the Rural Commercial Bank that is the main financial force for county economic development.According to the four-step strategic development path of provincial associations,equity management is a key part in every step of the development of "social restructuring","benchmarking banks" and "listing banks".In order to restructure and reestablish the rural commercial bank,a large number of corporate legal person shareholders and natural person shareholders were introduced to the Rural Credit Union during the restructuring,including local well-known enterprises and some social natural persons.The introduction quickly promoted the restructuring process of the rural commercial banks,but the risk is gradually exposed after restructuring.How to strengthen and improve equity management and thus improve the level of corporate governance become the key to prevent and control risk,transform and upgrade,and accelerate development.As one of the 139 branches of the Provincial Associated Press,SheQi Commercial Bank has been successfully restructured to form the Agricultural and Commercial Bank,and its equity management is representativeThis paper summarizes and analyses the present situation and existing problems of equity management of She qi commercial Bank,and combines with the reform and development history of She qi commercial Bank and relevant practical cases of equity management,so as to achieve the combination of practice and theory,theory to practice,practice to return to theory,and then puts forward countermeasures and suggestions to improve equity management,so as to share the shares of Rural Credit Union in Henan Province,.Power management has reference and reference value to promote the continuous improvement of corporate governance and expand brand value.