The Profitability Research Of Rural Credit Cooperatives In Lanxi,Heilongjiang Province

"Profit" is our country banking financial institutions which have to face problems in the daily operation and management, and is the first problem of commercial bank’s daily planning management.The stand or fall of a bank profitability directly affects the bank’s own capital strength, also affects the bank can be sustained and stable development.In recent years, for the most part of the system reform of rural credit cooperatives, rural credit cooperatives has reform to rural commercial banks and rural cooperative banks, however, due to the reform of the strict conditions, rural credit cooperatives in Lanxi met in conformity with requirements,the system can change itself. Rural credit cooperatives as the mainstay of rural financial market in Lanxi, it support the development of agricultural production in Lanxi, solve peasants daily cash needs,and support the development of rural small and medium-sized enterprise which has been playing an important role. However, as the national policy eased on rural financial market access threshold, have become increasingly rich and perfect rural financial system, the status of the rural credit cooperatives "dominance" in Lanxi is broken,Lanxi diversification of rural financial market gradually from single subject to the trend of development. In this competitive environment, good profit ability become an important factor of sustainable operation and development of rural credit cooperatives in Lanxi.In this paper, on the basis of the background of rural credit cooperatives established in Lanxi,through defining the profitability of the two indicators describes the current status of rural credit cooperatives in Lanxi earnings, and combining the current situation, summarizes the problems existing in the rural credit cooperatives profit Nancy, including:(1) the intermediate business income is low,unreasonable structure(2) the increasing competitive environment, the rural credit cooperatives in Lanxi income levels drop(3) the national support policy and fulfill social responsibility does not match, has led to an increased operating costs, at the same time, draw lessons from the domestic related research results, summary of evaluation of rural credit cooperatives in Lanxi profitability stand or fall of several major indicators, namely: the profitability of profit and risk, stability, growth index and the quality of accounting information. Combining these indicators, combining qualitative indexes and quantitative indexes, on the basis of the analytic hierarchy process(Ahp) is introduced into the fuzzy evaluation, to evaluate the profitability of rural credit cooperatives in Lanxi, evaluation score of 66.6, according to the maximum membership degree principle, profitability. Then, two from the rural credit cooperatives in Lanxi itself and the external factors, summed up the factors that affect the profitability of rural creditcooperatives in Lanxi, finally, to improve the profitability of rural credit cooperatives in Lanxi puts forward to policy suggestions.