1. The business department has insufficient motivation for risk self-inspection. Due to different functions and target positioning, the business marketing agencies of rural commercial banks often focus on marketing and ignore risks, while the goal of the management department of the head office is to carry out inspections, monitor and reveal risks. In order to avoid affecting the assessment of business operation, problems in business operation and problems found by self-examination of various business departments of rural commercial banks are usually not reported to the Compliance Risk Management Department or line departments of the Head Office voluntarily, but are mostly solved through internal digestion.

2. Information sharing among rural commercial banks needs to be strengthened. Risk compliance lines and business, internal audit, discipline inspection and other departments have not yet formed a mechanism of resource information sharing, communication and cooperation, coordination and cooperation, and the phenomenon of asking more questions and checking more often occurs.