Analysis Of Rural Credit Cooperatives Operating Performance And Suggestions For Improvement

As rural financial institutions, Rural Credit Cooperatives is the basic force ofChina’s rural financial system, and plays a role of the main force in rural finance.From the overall operation situation of Rural Credit Cooperatives, the poorperformance not only affects the development of credit itself, but also affects thefunction of supporting agriculture. The article takes “A” Country Rural CreditCooperatives reform as the research background, defines the basic connotation ofCountry Rural Credit Cooperatives performance, analyses the factors that affect theperformance of Country Rural Credit Cooperatives from the external environment andinternal control, and provides the theoretical support for the following analysis. Theempirical research result of Country Rural Credit Cooperatives performance by DEAmethod shows that “A” Country Rural Credit Cooperatives performance has beensignificantly improved after a series of reform measures. But compared to the optimaldecision unit, there is a certain gap, witch concentrates in credit and loan amountinsufficient, loan capital turnover is slow and non-performing loans is high. In orderto solving these problems, we must start from optimizing assets structure, improvingthe loan operation mechanism, and cleaning up non-performing loans to improve “A”Country Rural Credit Cooperatives operating performance.