Research On Governance Improvement Of D Credit Union's Board Of Directors

Rural credit cooperatives are the typical representatives of small and medium-sized rural financial institutions,the main force and leader of rural finance.They have been undertaking the important task of implementing the national three rural policies and promoting the development of local three rural industries.With the proposal of the Party Central Committee and the National Rural Revitalization Strategy,the reform and development of rural credit cooperatives has been pushed into the "fast lane".One of the most important aspects is the reform of property rights system,which is conducive to promoting the construction of modern enterprise system by rural commercial banks.In the process of building enterprise system,the operation of corporate governance is an important standard to measure whether an enterprise system is reasonable and effective,and board governance plays an extremely important role in corporate governance.The level of board governance has an important impact on financial institutions to make strategic decisions conducive to development,promote development and consolidate development,and protect the interests of shareholders To maximize the operating efficiency of financial institutions has a direct impact.Under the background of property right system reform,this paper takes the board governance of D Credit Union as the key research object,based on the theory of corp orate governance,analyzes the particularity of rural commercial banks,further analyzes the current situation of the board governance of D Credit Union,and points out that the existing problems of the board governance of D Credit Union mainly include the nonstandard internal structure of the board of directors,the responsibilities of the board and the Party committee The boundary is not clearly divided and the professional committee does not perform its duties effectively.In view of these four problems,the optimization goal of this paper is to improve business performance and effectively prevent risks.The optimization path to improve the governance of the board of directors mainly includes strengthening the normalization of the internal structure of the board of directors,clarifying the responsibilities of the party organization and the board of directors,strengthening the performance ability of each professionalcommittee,establishing independent director system,optimizing the decision-making mechanism,and improving incentive and restraint mechanism.The opti mized governance system of the board of directors is conducive to the steady and long-term development of D Credit Union after the completion of the restructuring of agricu ltural commercial banks,the reference of 66 credit cooperatives and agricultural coope rative banks that have not yet completed the restructuring in the whole autonomous regi on,the high-quality promotion of the reform of rural credit cooperatives,the Provincial Association,and the better service for the implementation of the Rural Revit alization Strategy.