The Performance Evaluation Of Rural Credit Cooperatives In China Based On DEA Method

Since its inception in the 1950 s, RCC has experienced several times and now has become the network coverage and the huge financial institutions. However, with the development of the scale of RCC, its problems are gradually exposed, asset quality there is a big security hidden danger, non-performing loan ratio of overweight, non interest-bearing loan proportion is too large in various areas such as widespread.Employees more for technical secondary school degree or less, the understanding of the business ability and the conduction ability is not in place.Therefore, since the reform and opening up, RCC management on its internal system has carried on the reorganization and adjustment, especially since 2003, the national regional common for deepening the reform of RCC, the wind of reform prevailing in the country.But careful study found that at present there exist some problems, RCC in the first place, regional historical burden is heavy, according to the magnitude and classifying loans into five categories of credit assets classification calculation, the serious shortage of reserve balances; Secondly,around the city all have varying degrees of bad loan balance, affect the quality of the RCC assets; Finally, internal management and risk control is relatively weak, relatively lagged risk monitoring, supervision and management does not reach the designated position, system implementation does not reach the designated position, the issue such as difference of execution is widespread, seriously hindered the process of the reform of RCC, to the detriment of the healthy development of RCC in China, the state must introduce relevant policies, a thorough and complete reform, to keep the status of the RCC, to play the role of mainstay in the rural finance, RCC better service for agriculture,rural areas and farmers.The strength and effect of reform, however, we need to use a certain way and method to evaluate, in this paper, based on the performance evaluation related theory,based on the analysis of the basic status of rural credit cooperatives of shandong province,using the BCC model of DEA model, and to establish the performance evaluation system of RCC, from operation ability, profitability and development ability and the asset quality of four levels, a full range of examining the performance of rural credit cooperatives.Inorder to more comprehensive and thorough analysis of the RCC reform performance, this paper not only research and analysis of RCC operating ability and profit ability, but also the ability to analyze the development of the RCC and asset quality, through the comprehensive analysis of rural credit cooperatives, find out the countermeasures to solve the development of RCC resistance.For the purpose of this article selected 4first-level indicators and the corresponding 22 secondary indexes, is the analysis on the basis of predecessors’ research, comprehensive comparison and analysis, finally determined.This article 22 secondary indexes through software processing, calculation of the overall efficiency of RCC and the technology, the scale efficiency value, and Malmquist index calculation of total factor productivity, analysis of the technology progress rate of RCC, finally calculated the inputs redundancy value, makes the performances of rural creditunions in 17 cities in shandong province are reaching DEA valid state.