An Empirical Study On Performance Evaluation And Its Influencing Factor Of Rural Credit Cooperatives In Nanping Area

Since 2003,all areas of the country set off a new round of rural credit cooperatives reform,which has made great achievements.It is mainly reflected in the cancel after verification of bad assets,improving the efficiency of the capital adequacy ratio,operation and management and increasing the function of peasantry.But compared to the four major state-owned banks and joint-stock commercial banks,it still exist some shortcomings,such as high non-performing loan ratio,insufficient financial support and inefficient operation efficiency.These restrict the sustainable development and support service efforts of rural credit cooperatives.The rural credit cooperatives is the main force of financial support,it has been serving the "three rural" task since its establishment.Therefore,it is very important to establish a rural credit cooperative with good performance and promote the development of rural economy.As a special financial institution,its reform performance and development quality relate to the security and stability of the agricultural development,rural stability,increasing income of farmers and rural financial system,so it is necessary to research and estimate deeply to the operating performance of rural credit cooperatives,and support the sustainable development of rural credit cooperatives and the power of financial support.This paper researches the operating performance of rural credit cooperatives in Nanping area of Fujian Province from the four aspects of operating efficiency,loan quality and support service status from 2010 to 2015.The article uses descriptive statistical analysis to analyze the loan quality,support service and increase revenues and cut expenditures vertically and horizontally in order to reflect the operating performance of rural credit cooperatives in Nanping area.It uses the CCR and BCC model in DEA model,at the same time,takes the fixed assets,total assets,operating expenses,total loans as input indicators,takes net profits as output index to analyze the operating efficiency.Finally,the article takes the comprehensive efficiency as the dependent variable,sets the non-interest income accounted for the income,capital adequacy ratio,total assets,agricultural loan proportion,loan-to-deposit ratio,defective rate,operating expenses/revenue,and staff as independent variable.It uses the multivariate linear regression analysis to the influential factors of the operating efficiency,then finds out the most significant influential factor.Finally,We find out that total assets,number of staff and net profits positively related to the comprehensive efficiency,while Operating expenses/revenue is negatively related to the comprehensive efficiency.Visibly,scale of operation,personnel allocation and earning capacity are positively related to overall efficiency.While operating expenses/revenue are negatively associated with overall efficiency.