Research On The Operating Performance Of Peasant Microfinance Of Rural Credit Cooperative In Shaanxi Province

Microfinance developed more than ten years in Shaanxi province. With the development of peasant microfinance, it is benefit to support new socialist countryside construction in Shaanxi province, and it is helpful to solve the"agriculture, rural areas, farmers"issue, peasant microfinance of Rural Credit Cooperatives(RCC) plays a important role, Rural Credit Cooperatives has became the main force of rural financial markets in Shaanxi. So, researching the operating performance of peasant microfinance of RCC, which include the impact on the living standards of farmers and the performance in rural credit cooperatives, it has important economic significance and social meaning, which contains achieving sustainable development in peasant microfinance of RCC, improving the rural financial market and increasing the farmer's income.In this paper, as Qianyang County and Luonan County examples, we research the operating performance of peasant microfinance of RCC in Shaanxi province. First of all, this paper analyzed the development process and current situation in peasant microfinance of RCC in Shaanxi province, the microfinance has entered a mature and stable development period, it has improved in loan quality,profitability in RCC,scale and so on. Second, using the analytical hierarchy process (AHP), the paper designed a peasant microfinance performance evaluation system from RCC and peasant. And then, it has a comparison in timing sequence and regions, calculate the value of each index. Finally, the paper analyzed performance in each index and influencing factors, gave some advices in improving the operating performance of Microfinance in RCC.Main conclusions of this paper are as follows:1. Using the AHP, the paper designed a peasant microfinance performance evaluation system in practically, which including two sides in RCC and peasant, the performance evaluation in RCC contain the quality of credit, the profits from microfinance, the amount of loan, the operational efficiency and the coverage rate, the performance evaluation in peasant contain the standard of living and peasant satisfaction. 2. According to the analyzed result from timing sequence, it showed that the performance levels of RCC and peasant was improved year by year, the strong showed index include the profits from microfinance, the operational efficiency and the standard of peasant living, the weak showed index include the quality and the amount of credit .3. According to the analyzed result from regions, in 2008, Qianyang County was better than Luonan County in the quality and the operational efficiency of credit, but Luonan County was better than Qianyang County in the overall the operating performance of peasant microfinance of RCC.