Problems And Countermeasures In The Supervision Of Sichuan Rural Credit

Rural credit cooperatives are an important part and special group of China’s banking industry,and have made outstanding contributions to solving the financing of SMEs and promoting the development of county economy.At present,the reform of rural credit cooperatives in China has entered a deep water period.With the implementation of the rural revitalization strategy,as well as the uncertainty brought by the COVID-19 and other factors,the development of rural credit cooperatives is both an opportunity and a challenge.Whether the rural credit cooperatives can operate and develop normally and steadily has become an important indicator to measure the level of local economic development,and is more related to the stability of the financial environment in rural areas of China.With the integration of supervision departments,functional reconstruction and other factors,the supervision of rural credit cooperatives is facing greater pressure.This paper has done some work on how to better improve the administrative efficiency of multi sector collaborative governance.This paper uses literature analysis,case analysis,comparative analysis and other research methods,taking Sichuan Rural Credit Cooperatives as the research object.This paper first consulted a large number of domestic and foreign related literature and learned from the theory of information asymmetry,financial market failure and other public management theories,and then analyzed the current situation of the supervision of rural credit cooperatives in Sichuan Province from four aspects: the development of rural credit cooperation in Sichuan Province,the subject of supervision,the content of supervision and the measures of supervision,It is learned that there are problems in the current supervision of rural credit cooperatives in Sichuan Province.The investigation shows that the problems are divided into four aspects,namely,the imperfect supervision system,the uncoordinated supervision rights and responsibilities,the ownership system of property rights needs to be improved,and the inconsistent supervision objectives and business objectives.Based on these problems,the paper discusses the underlying reasons,which are mainly the weak foundation of risk management,the difficulty in coordinating supervision between regulatory authorities The objective factors hindering the ownership of property rights and the diversification of business objectives.Then it focuses on the construction of the rural credit supervision system at home and abroad.It studies the supervision system of foreign developed countries,Taizhou City,Zhejiang Province,and Changsha Rural Commercial Bank,Hunan Province,and draws on their experience.Finally,it proposes optimization measures for the current problems in the supervision of rural credit cooperatives in Sichuan Province,which are mainly divided into four points: improving the supervision system of rural credit cooperatives,strengthening the coordination of rights and responsibilities between government supervision departments Improve the property right system of rural credit cooperatives,and improve the business objectives and regulatory objectives.Based on the problems found in the government supervision of rural credit cooperatives in Sichuan Province,this paper puts forward some feasible suggestions,such as some innovations in changing the way local governments participate in the supervision,which is of positive significance for government departments to strengthen the supervision efficiency of rural credit cooperatives,ensure the stable development of the financial market,and inject strong economic vitality into rural credit cooperatives in Sichuan Province.