Study On The Efficirncy Of The Rural Credit Cooperative In Shangluo

Shangluo rural credit cooperatives banks are the major financial services institutions in rural areas, played a dominant role in financial support for agriculture, supports the new rural construction and urbanization construction Strongly.Improving the efficiency of rural credit cooperatives bank is Important for developing agricultural production,increasing farmers’ income and promoting economic developed stably and rapidly in rural areas.This article combined the Commercial sustainable management and policy of agriculture,based on stochastic frontier model,using Cobb- Douglas production function and the panel data(2002--2014)come from seven rural credit cooperatives bank in Shangluo six counties and one district. Measured the operating efficiency and agriculture efficiency of rural credit cooperatives banks in 12 years.On this basis, evaluated the efficiency and analysis the impact factors.The main conclusions are as follows:(1)The average profit efficiency of Shangluo rural credit cooperatives bank was 0.197,Means profit efficiency is very low,but it also means that subsequent reform and development potential of Shangluo rural credit cooperatives bank is very large. Rural credit cooperatives bank must enhance effective factors actively,suppress negative factors,improve the profits efficiency,achieve commercial profitability goals.(2)The average efficiency for agriculture of Shangluo rural credit cooperatives bank was 0.776. Efficiency is on the middle level,means support for agriculture is good. In other inputs remain the same situation, Shangluo rural credit cooperatives banks reach the current agriculture can save more than 20% efficiency of input.(3)The profit efficiency and efficiency factors for agriculture in Shangluo rural credit cooperatives banks, asset quality, liquidity, asset stability and promoting deepen reform of rural credit cooperatives bank have positive effect to enhance efficiency,labor costs and physical costs of rural credit cooperatives bank have negative effect to enhance efficiency.(4)With the advancement of rural credit cooperatives bank reform in Shangluo,The profit efficiency and efficiency for agriculture is enhanced clearly, reforming of rural credit cooperatives bank has achieved lots of success in Shangluo.On this basis, the paper proposes policy suggestions from government departments, financial regulators and rural credit cooperatives banks themselves.Only these three levels work together,can improve the efficiency and promote its reform of rural credit cooperatives banks.