Researching On Efficiency Of Financial Assistance Of Rural Credit Cooperative In Shaanxi Province

The state council started a new reform of rural credit cooperative in 2003.Shaanxi province is one of the eight experimental province which were the first reform credit cooperative.With six years of reforming,how about the perfermence of credit cooperative,whether the financial support has increased the income of farmer,whether the loan has used to the agricultural production..All of the issue need a scientific and practical system of measuring performance and evaluation methods.The paper based on this issue, constructing performance evaluation system of dynamic DEA model.for rural credit cooperatives.This study described the basic concept of the efficiency of assessment and development process.In this section,the author introduced various DEA model.Futher more, expansion of a single period of DEA analysis to multiple periods, analyzing the dynamic DEA with Time parameter. At the beginning of this section,the author provided a ststement to a multi-period production process with inter-temporal input-ouput dependence. Some additional contraints were forced to add as supplement for efficiency measurements;meanwhile,some dynamic programming methods were introduced to solve out the models.Then,this paper gives an introduction to the multi-period production process without inter-temporal input-output dependence.In this process,one approach frequently used for measuring productivity change over time was the combination of DEA and Malmquist index decomposition..This paper designed the questionnaire of operations circumstance and farmers income of rural credit cooperatives in Shaanxi. We acquired the data of 86 county credit union from the year 2000 to 2008. Application the dynamic DEA model in this paper for studying economic performance of the rural credit cooperatives in Shaanxi Province.When the DEA model was applied, the loanable funds,the operating expenses and the permanent assets were set as input variables and the proportion of agricultural loans,the interest revenue from agricultural loans and the income of rural residents were used as output variable.Research shows that the economic performance gap between rural credit cooperatives is large。Economic efficiency is on the low side, but the tendency was increasing year by year; comparing with the optimal production frontier, there is still large space for improvement.overall.