Studies Of Further Deepen The Reform Of Rural Credit Cooperatives

Rural economy is the basis of the national economic development. Therefore, the establishment of an efficient financial system in rural areas is the basic guarantee for stable and healthy economic development. As an important part of rural financial system in our country, the Rural Credit Cooperatives have played main role in rural finance and supported the development of agriculture and rural economy in our country. As almost the only formal financial institutions in the grassroots rural financial market, the reform and development of Rural Credit Cooperatives relate to rural advance, stability income growth of farmers, even the safety of the whole financial system, and is a good way to improve the competitive forces of rural financial institution and meet the need of rural capital.The paper selects the reform of rural credit cooperatives in Hunan Province as the research object and uses the CCR model and the CCGSS model of DEA method to evaluate the performance analysis of the Hunan Province Rural Credit Cooperatives during 2000-2013.The conclusion is the overall efficiency and scale efficiency and scale efficiency of rural credit cooperative in 2005 after the existence of the DEA is invalid.Through reviewing literature and qualitative analysis, the paper approves achieved results of the reform of rural credit cooperatives in Hunan Province, and also summed up the problem still exists. Reference to the experience of the reform of urban credit cooperatives in Hunan Province, the paper puts forward specific policy recommendations.