Research On Optimizing The Equity Structure Of BF Village Bank

Village and town banks are important corporate banking institutions in county regions of my country,and they have played an irreplaceable and active role in enriching the financial institution system,helping financial services,agriculture,rural areas and small and micro enterprises.During the several years of operation of the village and township bank,despite its overall good posture,there are still some contradictions and problems exposed,such as the imbalance of the main bank system of the township bank and the derivative equity structure,the serious defects in the governance structure,and the deviation of the operating development from the support The positioning of small agricultural markets and so on.Ownership structure as the core of corporate governance of village and town banks plays an important role in the decision-making mechanism,management mechanism,incentive mechanism and restraint mechanism of village and town banks.A reasonable and transparent shareholding structure and well-regulated shareholder behavior are the foundation of corporate governance in small and mediumsized rural banks and the guarantee for the stable development of banking institutions.Therefore,it is necessary to have an in-depth understanding of the current status of the village and township bank's shareholding structure.Through an in-depth analysis of the village and township bank's shareholding structure,the village and township bank should adhere to the correct development direction and improve the adaptability and ability of financial services to rural revitalization.Based on the theory of corporate governance,this paper focuses on the optimization of equity structure of BF village bank.Firstly,it expounds the research background and significance of the topic,summarizes the research status of equity concentration,equity nature,equity balance and other content related to equity structure,and gives the innovation and shortcomings of this paper.Secondly,it summarizes the meaning of equity structure,the types of bank equity structure,and the equity structure of rural banks.It discusses the impact on the bank's operating performance from the aspects of equity concentration,equity nature,equity balance and so on,and empirically analyzes the impact of equity structure on the operating performance of rural banks based on 30 sample data available.Thirdly,through data analysis,chart display and other ways,this paper analyzes the structure,operation status and equity structure of BF village bank,and compares it with other village banks in the same city.Then,it puts forward the problems existing in the ownership structure of BF village bank,and analyzes the influence of the unreasonable ownership structure on the corporate governance of BF village bank.Finally,according to the above analysis results,the paper puts forward countermeasures and suggestions for optimizing the equity structure of BF Village Bank: first,adjust the equity ratio and the nature of shareholders;second,establish and improve the equity management mechanism;third,improve the corporate governance mechanism;fourth,improve the internal control and compliance management;fifth,return to the market positioning.