民间资本在推动机构完善公司治理、化解风险、优化管理、提升服务等方面发挥积极作用的同时,也给金融机构公司治理能力带来了一系列不容忽视的问题。因此,需多措并举释放民资正能量民间资本进入农村中小金融机构,在推动机构完善公司治理、化解风险、优化管理、提升服务等方面发挥了积极作用,但同时,基于民间资本天然的逐利属性,也给金融机构公司治理能力带来了一系列不容忽视的问题。民间资本入股的四个问题须关注股东资质不高,资本结构不尽合理。以江西省为例,调查显示,江西农村中小金融机构股东资质整体水平较低,各类别机构股东质量参差不齐,农村商业银行和村镇银行相对较好,农村信用社相对较差。江西现有的88家农合机构中,尚未有一家引进合格的 While private capital plays an active role in promoting the corporate governance, resolving risks, optimizing management and improving service, private capital also brings a series of issues that can not be neglected to the corporate governance ability of financial institutions. Therefore, it is necessary to take measures to release more private capital from private capital to small and medium-sized financial institutions in rural areas and play an active role in promoting institutional improvement of corporate governance, risk management, optimization of management and promotion of services. At the same time, Lee property, but also to financial institutions, corporate governance has brought a series of problems that can not be ignored. The four issues of private capital shares should pay attention to the shareholders’ qualification is not high, the capital structure is not reasonable. Taking Jiangxi Province as an example, the survey shows that the overall qualifications of shareholders in small and medium-sized rural financial institutions in Jiangxi Province are relatively low, and the quality of shareholders in various institutions is uneven. Rural commercial banks and rural banks are relatively good, and rural credit cooperatives are relatively poor. Of the 88 existing RCA institutions in Jiangxi, none have yet been introduced