Research On The Current Situation And Development Strategy Of Sangzhi Rural Commercial Ban

In recent years,China’s goal of reforming rural credit cooperatives into rural commercial Banks has been basically completed,but the problems of asset quality,administrative management mode and system,and the thoughts and qualities of practitioners accumulated in the past decades of rural credit cooperatives have not been completely solved.With the continuous reform and improvement of the financial system in recent years,the government is gradually opening the protection and management of the financial industry,and rural commercial Banks should follow the corresponding financial policies on the original basis to achieve sustainable development.This paper first briefly describes the status quo of China’s commercial Banks’ ownership structure and the history and current situation of rural credit cooperatives in hunan province,and expounds the existing research results in China,and explains some relevant theories.Taking hunan Sang Zhi rural commercial bank as the research object,mainly through the Sang Zhi rural commercial bank’s current business conditions,corporate governance,the stock situation,structure and operation of the board of directors and board of supervisors and the management of index analysis,it is concluded that the current county rural commercial bank faces the five problems: namely,heavy historical burden,unequal power and responsibility of internal management "and" external management "structure,low quality of practitioners,risk consciousness,backward science and technology.The author thinks that the first thing you need to the government and the provincial association to reduce administrative intervention in the county agricultural bank,respect for the county agricultural commercial Banks as the main body of legal person status,secondly to build a county agriculture oriented commercial Banks greater resources sharing platform,the county rural commercial Banks must strengthen their own corporate governance,root root county,local,and further expand new business.It is hoped that the research on sangzhi rural commercial bank can shed some light on the common problems of rural commercial Banks in county areas and the problems in corporate governance in China.However,due to the large number of institutions in the rural credit system nationwide,specific and comprehensive research requires a lot of manpower,material resources and time.At the same time,there are many difficulties and problems in the collection of corresponding data and data.