摘要
农村商业银行目前已成为银行业支持“三农”和小微企业的主力军,在助力县域经济发展、稳定金融供给上发挥了重要作用。但部分农商行在公司治理方面存在股东关联交易及内部控制风险突出、“三会一层”履职失效、信息披露机制不健全、激励约束机制不完善等问题,存在一定风险隐患。本文试以吉林省延边州某农村商业银行(以下简称“A农商行”)为例,分析农村商业银行公司治理方面存在的问题,并就如何促进其持续健康发展提出建议。
Rural commercial banks have become the main force of the banking industry to support"agriculture,rural areas and farmers"and small and micro enterprises,and have played an important role in promoting the development of county economy and stabilizing fi nancial supply.However,some agricultural and commercial banks have some problems in corporate governance,such as prominent risks of shareholder related transactions and internal control,failure of"three meetings and one layer",imperfect information disclosure mechanism,imperfect incentive and restraint mechanism and so on.Taking a rural commercial bank(hereinafter referred to as L Agricultural Commercial Bank)in Yanbian Prefecture of Jilin Province as an example,this paper analyzes the problems existing in the corporate governance of rural commercial banks,and puts forward some suggestions on how to promote their sustainable and healthy development.
出处
《吉林金融研究》
2021年第11期46-48,共3页
Journal of Jilin Financial Research
关键词
农村商业银行
公司治理
对策建议
rural commercial bank
corporate governance
countermeasures and suggestions
