Research On Efficiency Of Supporting Agriculture Of The Credit Of Fujian Province Rural Credit Cooperative And Optimize The Ways

Rural credit cooperatives are the main force to support rural finance; it is a bridge and link of the contact farmers. In recent years, with the gradual withdrawal of State-owned commercial banks in rural areas, rural credit cooperatives credit to agriculture is also enhanced. The importance of the study on the credit system efficiency in support of rural economic by the Rural Credit Cooperatives in Fujian lies in:First, to improve the efficiency of Fujian Rural Credit Cooperative credit to agriculture; the second, to strengthen Fujian Rural Credit Cooperatives Service "Agriculture" function; the third, it is conducive to the promotion of Fujian rural economic development and farmers to get rich. At the same time, through the analysis of Fujian Rural Credit Cooperative agriculture business situation and the existing problems, learning from the successful experience of foreign rural credit cooperative organizations and the domestic provinces and rural credit cooperatives, using the five-year2006-2010Fujian Rural Credit Cooperatives Measurement Evaluation Fujian Rural Credit Cooperatives efficiency of credit support for agriculture and rural economic development in the relevant data, to discover the main factors to affect the efficiency of the Fujian Rural Credit Cooperative credit to agriculture, which has targeted optimization of Fujian Rural Credit Cooperatives credit support for agriculture efficient way to better solve the supply of rural financial capital is insufficient to eliminate agricultural restructuring and development of the "bottleneck", and provide feasibility for further deepening the reform of RCCs in Fujian Province, and provide the policy views on the development of Fujian Rural Credit Cooperative Agriculture.This paper can be integrated into seven chapters:The first chapter is an introduction; it includes background of the thesis, purpose and significance of domestic and international literature review, the content and methods of the thesis. The second chapter, it discusses the rural credit cooperatives, credit support for agriculture efficiency theory. The third chapter, it discusses the status of the rural credit cooperatives, credit support for agriculture in Fujian Province and problems, and analyze the contribution of Fujian Province agriculture loans of rural credit cooperatives, rural economy. The fourth chapter, this paper selects nine regions in Fujian Province study of rural credit cooperatives as the object of empirical analysis, using the DEA method of calculation and evaluation of Fujian Rural Credit Cooperative agriculture efficiency. Chapter V, it uses of multiple regression analysis on the impact of agriculture efficiency of Fujian Rural Credit Cooperative factors, and finds out main factors influencing the efficiency of rural credit support to agriculture in Fujian province. Chapter VI makes a way to optimize the efficiency of supporting agriculture of the credit of Fujian province rural credit cooperatives. Chapter VII is a conclusion, recalled the conclusion of the institute and elaborated the lack of research that exists in the article, in order to serve this as the basis for more in-depth study.The main conclusions of the article come as follows:Firstly, agriculture loans of rural credit cooperatives has a significant impact on agricultural output value in Fujian Province, and rural credit cooperatives in Fujian Province agriculture loans is an important factor to affect the growth of rural output value in Fujian Province, while expanding the Fujian Rural Credit Cooperatives agriculture loans is also conducive to improve the level of agricultural output in Fujian Province. Secondly, from2006to2010, supporting agriculture efficiency of Fujian rural credit cooperative is high, technical efficiency in Fujian province were above0.90, but a more pronounced decline in2010and regional efficiency there is a big gap, credit agriculture efficiency in Ningde is more efficient than the other eight regions, while credit agriculture efficiency in Zhangzhou is the lowest. Thirdly, the business structure (the proportion of agriculture-related loans), and the level of asset allocation (loan ratio) to generate positive and important impact on Fujian rural credit cooperative agriculture efficiency, while the agricultural environment (local primary industry GDP ratio) and asset quality (non-performing loan rate) for Fujian rural credit cooperative agriculture efficiency reverse an important influence. Lastly, Ways to optimize the efficiency of supporting agriculture of the credit of Fujian province rural credit cooperatives:Building a good Fujian rural financial environment; Adhere to the operating direction of rural credit cooperatives; improve the means of farmers’ credit loans; strengthen the marketing and management tools; improve the management level of credit asset.