Second, rural cooperative financial institutions are not strong enough to undertake the important task of "main force". Among many rural financial institutions, rural cooperative financial institutions have the earliest contact with "agriculture, countryside and farmers", which has established their position as the main force of rural finance. However, the historical burden of some rural cooperative institutions is still heavy, the corporate governance structure is still not perfect, the management mode is still extensive, the management system of "small legal person, large system" is not perfect, the motivation for joint development is insufficient, the background service ability is not strong, and the overall strength of rural cooperative institutions is not strong enough.
Third, the pricing mechanism is not perfect, and it is impossible to realize the complete interest rate marketization. First of all, most rural financial institutions have weak bargaining power and imperfect pricing mechanism, and fail to accurately use various refined models and pricing systems to scientifically calculate the deposit cost level of their institutions; Effective hierarchical management and detailed management can not be carried out according to the customer base; Failing to set an attractive loan interest rate separately and optimize the customer structure; It is no longer possible to achieve refined management through internal fund transfer pricing (FTP) and lead the organization to transform into refined management. Secondly, the ups and downs of private financial pricing have caused a certain impact. Finally, the same strict capital constraints and business management of the regulatory authorities have formed certain time and space restrictions on the bargaining pricing of rural financial institutions.
Fourth, risk management is not strict, and it is difficult to always hold the bottom line that systemic financial risks do not occur. The domestic economy will experience a process of deleveraging, reducing production capacity and squeezing bubbles in a long period of time. Individual enterprises will stop production and close down, and major shareholders and customers will lose contact from time to time. In particular, the characteristics of cross-market and cross-institutional transmission of risks are becoming more and more obvious, and the risks of a single rural cooperative institution are easily transmitted to multiple rural cooperative institutions; A single risk may evolve into multiple risks, leading to the interweaving and overlapping of liquidity risk, credit risk, information technology risk, operational risk, market risk and reputation risk. Most rural financial institutions are institutions with low legal person level, small assets and relatively backward management level. Generally speaking, these institutions have weak ability to resist risks, and the prevention and resolution of financial risks are facing a severe test.
Fifth, the opacity of rural credit has seriously restricted the expansion of rural financial institutions and the improvement of service quality. In rural areas, it is common for farmers and small and micro enterprises to have true internal information and untrue external information. The credit information between strangers is not "rigid", and rural credit rating and credit investigation are generally not in place. Therefore, under the condition of low credit level and low transparency in rural areas, the willingness of rural financial institutions to lend is greatly reduced, the motivation for the expansion of rural financial institutions is weakened, and the service quality is difficult to improve.