The Analysis On The Business Efficiency Differences And Influencing Factors Of Rural Credit Cooperatives In Hebei Province

To solve and deal with the problem of "agriculture,rural areas and farmers" is the foundation of the successful development of China's socialist modernization.The strong support of rural financial reform is a powerful booster for the effective improvement and resolution of the "three rural issues".Banking financial institutions,especially rural credit cooperatives,are the most important institutional forces to provide rural financial services.The reform and development of large-scale commercial banks are increasingly inclined to urban areas and large-scale agriculture-related projects,agriculture-related grassroots outlets show shrinking,and rural economic growth with the financial needs of its diversified,deep,complex and other development characteristics.In this financial situation,because the rural credit cooperatives of the basic customers and the foundation are in rural areas,rural credit cooperatives have gradually become the preferred investment channels for farmers to become the real wealth of money to the currency conversion tool.As the main force of innovation and prosperity of the rural financial system of rural credit cooperatives innovation is by the party Central Committee and the people of the country's attention and attention.In 2004,Hebei Province held high the implementation of the State Council's overall reform banner and requirements,and in the year became the active implementation of rural credit cooperatives reform and development of the second batch of pilot units.Hebei Province,rural credit cooperatives since the reform and development of the curtain since the province's rural credit cooperatives capital adequacy ratio increased significantly,operating efficiency continues to improve,anti-risk ability and profitability is also further enhanced.With the expansion of the scale of assets and liabilities,we naturally want to know whether the operating efficiency is improved.If the operating efficiency is not high,even if the scale of assets and liabilities grow,then only the expansion of the number,and can not explain the competitiveness and anti-risk ability to improve.Undoubtedly,how to study the efficiency of rural credit cooperatives in the process of reform and what factors affecttheir efficiency in varying degrees,and how to improve the efficiency of reform for better guidance to rural credit cooperatives "three rural",balance And coordinate the province's regional development,to meet the growing demand for rural finance,enrich and improve the level of financial services has practical significance.Based on the traditional DEA model,this paper introduces the super efficient DEA model and the Malmquist index model,and makes a comprehensive study of the rural credit cooperatives of 11 cities in Hebei province.Dynamic and static analysis.In order to further explore the factors influencing the efficiency of rural credit cooperatives,TOBIT regression analysis shows that the credit scale,risk control ability and financial innovation level reflect the internal factors such as scale efficiency and pure technical efficiency,as well as the per capita disposable income,the total agricultural production Value of the share of the environment variables that have a significant impact on operational efficiency.