Study On The Operation Performance And Its Effects Of The Rural Credit Cooperatives In Ankang

As an important part of grass-roots rural financial system, Ankang city has been shouldering the responsibility to service for armers, agricultural and rural financials.Its reform and development of local ""three agriculture " development play a decisive role, by the parties concerned. Since the reform in2004, management and other aspects of Ankang City Rural Credit Union Agency has a significant change. Therefore, the application research of its business performance,which based on objective measurement analysis of the influencing factors, and to seek optimal path, has a strong practical significance to summing up before a period of reform and further deepen development.Based on the new round of rural credit cooperative reform as the background, first of all from the rural credit cooperatives operating performance evaluation and influencing factors analysis of related theories, elaborates the domestic and foreign financial institutions to conduct performance evaluation theory and the current related literature on financial institutions operating performance evaluation of the main train of thought and method, and combining the special rural credit cooperatives, on the rural credit cooperatives operating performance evaluation method to carry on the analysis, selection, from the external, internal two aspects of analysis of the effects of rural credit cooperatives operating performance of the main factors, which are the city of Ankang in rural credit cooperatives operating performance research provides theoretical and methodological support. Then, this paper adopts the method of qualitative analysis, the thesis selects the operating performance evaluation methods and influence factors analysis of mechanism, the rural credit cooperatives in Ankang city management and development are summarized, based on the2005-2011the relevant data, adopt comprehensive index analysis method to measure the preliminary analysis of rural credit cooperatives in Ankang City operating performance, using the Yaron performance evaluation framework, with the target client coverage and rural financial institutions continue (SDI) two index, eliminating subsidies policy factors further analysis, adjustment, measured in Ankang city credit cooperatives operating performance, Ankang City, rural credit cooperatives within their respective jurisdictions consider the ability of sustainable development. Then, from the external factors, internal factors such as analysis of the effects of rural credit cooperatives in Ankang City operating performance reasons, puts forward the countermeasures and suggestions to enhance its operating performance. Through the research, draw the preliminary conclusion:Overall, Ankang city credit cooperatives in the unified legal person agency after the reform, the external environment improvement and management strengthening, its performance continues to improve, the basic realization of the commercial and social sustainability, but the existence of the corporate governance mechanism is not perfect, management extensive, profitability limited, to resist the risk level is not advanced problem, restricted the realization of performance optimization, need to take measures to improve.This paper studies the reasonable evaluation and promotion of Ankang rural credit cooperatives operating performance has some practical guiding significance, but also to the relevant regulatory authorities to develop more effective follow-up policy, promote the rural credit cooperatives reform has certain reference function.