基于国外经验的农商行公司治理内外部机制完善

Improving the Internal and External Mechanisms on Corporate Governance of Rural Commercial Banks Based on International Experiences

当前,全国农村信用合作社大多已经改制为农村商业银行,改制后其如何服务经济发展仍需持续探索。现实问题在于,乡村振兴战略下的涉农金融供给疲软",三农"金融需求未得到充分满足。合作金融改革的原因众多,但长期主体地位及法律地位不明确、权利义务责任不对等是主要原因。改制后的农村商业银行应聚焦主业、回归本源,通过完善董事会和监事会制度、加快出台农村商业银行法、健全支农配套体系、差别化监管、落实股东大会法定职权、完善对董事、监事、高级管理人员的任用及议事规定、制定董事、监事、高级管理人员激励约束机制等方式加强公司治理,尤其注重发挥法律的引领及固化作用,努力实现农村商业银行商业盈利性及支农政策性的共生与共赢。

At present,most rural credit cooperatives in China have been restructured into rural commercial banks,and it requires constant exploration as to how to serve economic development after restructuring.The real problem lies in the weak supply of agriculture-related financial services under the rural revitalization strategy and the shortfall in fully meeting the financial demands from agriculture,rural areas and farmers.There are many reasons for the cooperative finance reform,but the main reasons include unclear subject status and legal status over a long period of time,and unequal rights,obligations and responsibilities.After the restructuring,rural commercial banks should focus on their main business and return to their original purposes.The corporate governance should be strengthened through the measures such as improving the system of board of directors and board of supervisors,accelerating the promulgation of the law on rural commercial banks,improving the system of supporting agriculture,adopting differentiated supervision,implementing the statutory functions and powers of the general meeting of shareholders,strengthening regulations on employment and management of board directors,supervisors and senior managers,and improving the incentive and restraint mechanisms for board directors,supervisors and senior managers.Special attention should be given to full play of the leading and solidifying role of law.It aims to co-existence and win-win results of achieving commercial profitability and supporting agricultural development for rural commercial banks.