目前农信社高管人员领导水平和管理能力方面存在的问题,法人治理结构亟待完善,由于农村信用社产权不够明确,职责不够清晰,管理人员行使权利缺乏监督约束,使农村信用社高管人员权力过于集中,造成农村信用社所有者缺位,导致高管人员尤其是信用社主任权力过大,从而使农村信用社陷入内部人控制状态,成为制约农村信用社发展的重大隐患。有些违规问题所以能够长期存在,主要是一些信用社领导权利没有约束,权利大于规章,长官意志严重,没有形成用制度约束信用社,对高级管理人员的职业道德风险缺乏有效的监督和制约。 At present, there are problems in the level of leadership and management capabilities of senior management personnel of rural credit cooperatives, and corporate governance structures need to be improved. Because the property rights of rural credit cooperatives are not clearly defined, their responsibilities are not clear, management personnel lack the supervision and exercise of their rights, and senior managers of rural credit cooperatives The power is too concentrated, resulting in the absence of owners of rural credit cooperatives, resulting in excessive powers of executives, especially credit union directors, which has led rural credit cooperatives to become insider-controlled and has become a major hidden danger in restricting the development of rural credit cooperatives. Some non-compliance issues can persist for a long time. The main reason is that some credit unions have unrestrained leadership rights; their rights are greater than regulations, their wills are serious, and they have not formed a system to restrict credit unions, which has failed to effectively supervise and restrict the professional ethics risks of senior managers.