【作者】 胡瑞；

【导师】 赵越云； 未小刚；

【作者基本信息】 西北农林科技大学 ， 公共管理硕士（专业学位）， 2023， 硕士

【摘要】 农村商业银行在我国特有的金融体系中一直占据着重要且特殊的位置,自2001年首家农村商业银行改制成立以来,农村商业银行作为国内农村金融机构的代表,已经历经了20多年的发展,根据相关机构数据统计,截至到6月,我国共有银行业金融机构法人4608家,其中,农村商业银行就近1600余家,从机构数量及规模上看,目前农村商业银行在银行业中已经占据着举足轻重的位置。自首家成立以来,各地农村商业银行发展迅速,在我国经济发展的各个阶段都起到关键作用。但是我国农村商业银行在发展过程中同时也遭遇了许多困难,尤其在改革初期农业银行与农村商业银行实行分管,许多遗留问题造成农村商业银行初期发展困难,在一定程度上限制了农商行对当地“三农”发展的有力支持。如何有效地对农村商业银行进行监管使其更稳定的发展,已经是现阶段不得不考虑的一个问题。因此,分析农商行发展的现状及缺陷和不足之处,针对如何让当地政府对农商行进行更有效的监管这一难题,提出相关的解决办法,具有十分重要的现实意义。本文将在大量阅读文献的基础上,采用理论与应用结合的方法,重点描述农村商业银行政府监管的现状,同时以笔者所在的S市农村商业银行为研究对象,理清农村商业银行政府监管的主体及其各自职责,同时将理论与自身工作实际情况相结合,从分析现状剖析存在的问题入手,探究问题形成的具体原因包括:金融监管相关法律起步晚、发展慢;政府监管主体存在角色、职责冲突;监管缺乏创新、人才引进;农村商业银行系统管理体制存在的自身缺陷。在分析实际监管中存在的问题及形成原因基础上,从提高政府监管法治化水平、加强部门分工协调、提高政府监管有效性、改进省联社建设等方面综合考虑并提出措施,为改善和提升农村商业银行政府监管提供更好的参考意见及建议。本文在研究中始终坚持相信改进和提升政府对农村商业银行的监管效果,对于完全发挥农村商业银行特有的金融属性作用具有重要意义,有助于在全社会构建具有中国特色的农村金融服务体系,同时对于提升政府服务“三农”的效果及精准度具有重要的提升意义。更多还原

【Abstract】 Since the first rural commercial bank was reorganized and established in 2001,the Rural Commercial Bank,as the representative of the domestic rural financial institution,has been occupying an important and special position in the unique financial system of our country,after more than 20 years of development,according to the statistics of relevant institutions,as of June,there are 4608 legal persons in our banking industry,among which,there are nearly 1600 rural commercial banks,from the number and scale of institutions,rural commercial banks in the banking industry has occupied a pivotal position.Since the founding of the capital,the rural commercial banks have developed rapidly and played a key role in every stage of our economic development.However,the rural commercial banks in our country have also encountered many difficulties in the course of development,especially in the early stage of the reform when agricultural banks and rural commercial banks were in charge of each other,many problems caused the initial development difficulties of rural commercial banks,to a certain extent,limited the rural commercial banks to the local“Three rural” development of strong support.How to effectively supervise rural commercial banks to make their more stable development,has been a problem that we have to consider at this stage.Therefore,this paper analyzes the present situation,defects and deficiencies of the development of the agricultural and commercial banks,and puts forward relevant solutions to the problem of how to make the local government supervise the agricultural and commercial banks more effectively,is of great practical significance.On the basis of reading a lot of literature,this paper will use the method of combining theory with application to describe the current situation of government supervision of rural commercial banks,and take the rural commercial banks in S City as the research object,this paper clarifies the main body of government supervision of rural commercial banks and their respective duties,at the same time,combines the theory with the actual situation of their own work,and analyzes the existing problems from the analysis of the present situation,the specific reasons include: the law of financial supervision starts late and develops slowly;the role and responsibility conflict of the government supervisor;The rural commercial bank system management system has its own defects.On the basis of analyzing the problems existing in the actual supervision and the reasons for their formation,from the aspects of improving the level of government supervision by law,strengthening the division of labor and coordination among departments,improving the effectiveness of government supervision,and improving the construction of provincial Associated Press,etc.,to improve and enhance the rural commercial bank government supervision to provide better reference and suggestions.This paper believes that it is of great significance to improve and enhance the effect of government supervision on rural commercial banks in order to give full play to the unique financial attributes of rural commercial banks,it is helpful to construct the rural financial service system with Chinese characteristics in the whole society,and it is of great significance to improve the effect and accuracy of the government’s services to agriculture,rural areas and farmers.更多还原