Research On The Supervision Of Small And Medium-sized Rural Financial Institutions In Zunyi Cit

The central file no.1,2021 "the central committee of the communist party of China,the State Council on promoting rural revitalization of the opinions of the modernization of rural areas to speed up agricultural pointed out that to solve the problem of" agriculture,rural areas and farmers "is the focus,to promote rural revitalization as to realize the great Renaissance of the Chinese nation to an important task,will be the development of the rural spoke very high position.Currently,small and medium-sized financial institutions widely distributed in rural areas are the "main force" to promote rural economic development,playing an important role.The supervision of small and medium-sized financial institutions in rural areas is not only related to the development of rural economy,but also a severe test of the governance ability of local governments.Based on the benefits of rural small and medium-sized financial institutions supervision as the breakthrough point,from the perspective of public interest theory and collaborative governance theory,using literature analysis,case analysis,methods of depth interview method,explains the concept of government regulation and rural small and medium-sized financial institutions,list the typical cases of violation of rural small and medium-sized financial institutions,analyzes zhunyi rural small and medium-sized financial institutions supervision for five years,This paper finds out the main problems in supervision and analyzes the causes,draws lessons from the supervision models of rural small and medium-sized financial institutions in Zhejiang and Shandong,and puts forward suggestions on how to improve the supervision quality and efficiency of rural small and medium-sized financial institutions in Zunyi city.The author thinks that the biggest problem is the supervision of personnel business level,coordination with local government departments and other issues,should continue to strengthen grass-roots regulators business level,increase with the local government,financial supervision and regulation department,provincial association linkage,increase the cooperative governance between departments,with the help of big data,and so on way to improve the rural small and medium-sized financial institutions supervision work,Guide small and medium-sized financial institutions in rural areas to adhere to market orientation and develop steadily in the complex financial environment.