The Research On The Reform Efficiency Of The Rural Credit Cooperatives In China

Rural population in our country accounted for over 70 percent of the total population, how to solve the problem of the development of the rural economy , and provide prompt and effective finance service for the country, that is a big problem which the success or failure of the economic construction in china. The rural financial services structure in china including the rural policy bank, commercial bank and rural credit cooperatives. In fact, rural credit cooperatives are the main financial institution which provides financial services for the country. Rural credit cooperatives who making outstanding contributions for the development of the rural economy, they are the major force of the rural finance and the best bond of connection peasant. They have become an important and indispensable force in developing rural economy.Over more than 50 years, rural credit cooperatives have been experienced many reforms. But,the efficiency has not increased substantially over many times reform, Three years have already passed since the second round reform of rural credit cooperatives which began at 2004,and notable progress was made. In this dissertation, we begin at the efficiency of rural credit cooperatives, on the basis of definition the reform efficiency of rural credit cooperatives, according to the actual conditions of our country, design index systems which measure of reform efficiency about rural credit cooperatives, provide a objective evidence to evaluate the reform effect. Then, according to the particularity reform efficiency about rural credit cooperatives, we introduce into DEA(data envelopment analyses), Nine rural credit cooperatives which economically under-developed areas in Shaoyang as our samples, demonstration analysis its efficiency from 2003 to 2006,we evaluate reform efficiency by contrasting efficiency number that reform before and after. Finally, we point out that have two elements impact reform efficiency about rural credit cooperatives, namely, external factors and internal factors. If we want to improve reform efficiency, realize sustainable development of rural credit cooperatives, we must improve on two elements which impact reform efficiency about them. The dissertation Keeps to combining theoretical research with empirical research, and implements the principle of integrating qualitative analysis with quantitative analysis, try to provide theory reference and practice borrow for further reform about rural credit cooperatives, and to provide a new ideas for sustainable development about them.