An Analysis of the Paths for Integrating Integrity-Oriented Party Building into Compliance-Based Operation and Management of Rural Commercial Banks and Rural Credit Cooperatives
清廉党建融入农商银行（农信社）合规经营管理的路径探析

摘要

农商银行（农信社）是服务乡村振兴的基层金融主力军，其合规治理与廉洁建设成效直接关系县域金融安 全稳定。针对清廉党建与合规经营融合不深、落地不实的突出问题，本文立足基层金融治理视角，明晰二者融合发 展的内在逻辑与实践价值，梳理出治理权责模糊、制度文化建设滞后、监督考核机制缺失三大核心困境，并从权责 落地、制度风控、精准监督、量化考核四个维度构建一体化融合发展路径。研究成果可有效补齐基层金融内控治理 短板，为农商银行（农信社）筑牢风险防线、培育清廉金融生态提供实践参考。

Abstract

Rural commercial banks and rural credit cooperatives are the main grassroots financial forces serving rural revitalization, and the effectiveness of their compliance governance and integrity building is directly related to the security and stability of county-level finance. In response to prominent problems such as insufficient integration and ineffective implementation of integrity-oriented Party building and compliance-based operation, this paper, from the perspective of grassroots financial governance, clarifies the internal logic and practical value of their integrated development. It identifies three core difficulties: unclear governance responsibilities, lagging institutional and cultural construction, and the absence of supervision and assessment mechanisms. On this basis, it constructs an integrated development path from four dimensions: implementation of responsibilities, institutional risk control, precise supervision, and quantitative assessment. The research findings can effectively address weaknesses in internal control governance at the grassroots financial level and provide practical reference for rural commercial banks and rural credit cooperatives to strengthen risk defenses and cultivate an integrity-based financial ecosystem.