Research On The Effectiveness Of Rural Banking Supervision In Alxa

Finance is the core of modern economic systems,and in China,remote and backward ethnic autonomous regions such as the Alashan region have even more underdeveloped financial development,which hinders their comprehensive,coordinated,and sustainable economic,political,and social development.As a "new" force supporting financial services in rural areas,rural banks have played an indispensable role in enriching and improving the financial supply system in agricultural and pastoral areas,and connecting the "last mile" of financial services for agriculture,rural areas,and small and micro enterprises.However,due to the short development period,low level of corporate governance,and relatively weak risk prevention capabilities of village and town banks,they also face many risks in their operations.Therefore,the development process of village and town banks has encountered many difficulties,and they also face enormous challenges in continuously providing financial services to small and micro enterprises in agriculture,rural areas,and farmers.At present,the regulatory framework for rural banks is gradually improving,but overall,the effectiveness of regulation for rural banks still needs to be further improved.Multiple ways and means need to be taken to innovate and improve regulatory measures,promote the healthy and sustainable development of rural banks,continuously inject financial vitality into agriculture,rural areas,and small and micro enterprises,and ensure the stable operation of the real economy.This article focuses on the effectiveness of rural bank supervision in the Alashan region.Firstly,it analyzes the development and regulatory status of rural banks in the Alashan region;Then,using the combination of fuzzy comprehensive analysis and analytic hierarchy process,the regulatory effectiveness of Alashan Village and Town Bank was evaluated.The regulatory effectiveness evaluation result of Alashan Village and Town Bank was "medium",indicating that there are still some shortcomings in the regulatory effectiveness control of Alashan Village and Town Bank,and further strengthening control is needed.From the evaluation results of the effectiveness indicators of secondary supervision,it can be seen that the effectiveness of the main supervision of rural banks is at a "low" level,while the maximum values of government supervision effectiveness,risk supervision effectiveness,and digital supervision effectiveness are all at a "medium" level.The main manifestations are inadequate implementation of government supervision,poor risk control level of rural banks themselves,difficulty in resolving risks,resulting in reduced regulatory effectiveness,and poor operation of digital supervision;Furthermore,it is discovered that the main reasons for the insufficient effectiveness of rural bank supervision in the Alashan region include difficulties in implementing regulatory strategies,imperfect regulatory mechanisms,insufficient coordination among regulatory entities,and weak regulatory capabilities and means;Finally,measures are proposed to enhance the effectiveness of rural bank supervision in the Alashan region,including urging the main initiating bank to fulfill its obligations as the initiating bank,effectively implementing government regulation,improving the regulatory effectiveness of risk resolution,optimizing digital regulatory operations,improving government regulatory policies,innovating government regulatory mechanisms,optimizing government regulatory coordination,and enhancing government regulatory coordination to enhance the effectiveness of government supervision of rural banks in the Alashan region.I hope that this study can enhance the regulatory effectiveness of rural banks and even promote the healthy development of China’s banking industry,and has positive reference significance and reference value for the orderly operation of the social economy.