The Research On The Management Performance Evaluation And The Choice Of The Development Model Of The County Rural Credit Cooperatives In Yunnan Province

Rural credit cooperatives are the main force of rural financial development,and rural credit cooperatives provide valuable financial support for the sustainable development of rural areas.Luliang rural credit cooperatives is no exception,it has great contribution to the implementation of Luliang’s "three rural" policy.In view of its huge role in rural development,it is necessary for us to maintain the good development of Luliang rural credit cooperatives.In recent years,although the business of rural credit cooperatives in Luliang county has been growing steadily.However,with the gradual liberalization of the rural financial market,the competition of the industry is becoming increasingly fierce.At present,there are 8 financial institutions in Luliang County,such as Agricultural Bank of China,China Construction Bank,postal savings bank of China,Qujing commercial bank and so on,which is a great threat to the development of Luliang rural credit cooperative.In order to adapt to the development of the market,Luliang rural credit cooperative wants to continue to lead the rural market and improves the economic performance of the credit cooperative.We must evaluate the existing business performance,and then study the development mode of Luliang rural credit cooperative.In addition to the necessity of reality,I have made an analysis of the relevant research at home and abroad.I found that there are many researches on rural credit cooperatives,which involve not only the theoretical research of rural finance,but also the specific performance of rural credit cooperatives,risk response and other aspects.However,few scholars combine the management performance evaluation with the development model.In addition,different scholars’ research angles and focal points make their conclusions not necessarily practical guidance to county-level rural credit cooperative in Yunnan.Therefore,this paper selects the rural credit cooperative in Luliang County of Yunnan Province as the research object.The management performance evaluation of Luliang rural credit cooperatives is mainly based on the Yaron model.Through the research and analysis,it is found that the coverage of the rural credit cooperatives in Luliang county is expanding from the coverage of the coverage.Whether breadth or depth of service or quality of service has been greatly improved or improved,especially in terms of scale of deposits,loans and agricultural loans.In terms of financial performance,Luliang rural credit cooperatives have made great progress in recent years,no matter capital security,liquidity or profitability.In 2017,it has been greatly improved than in 2012.However,compared with other financial institutions,there is still a certain gap;and there are many aspects that do not meet the requirements of the state.According to the sustainability index,the SDI value of the rural credit cooperatives in Luliang has a rising trend.The value of 2013 is-0.91,and the value of the other years is positive except for the negative number of 2013.For example,the value of 2012 is 0.17,to 2015,the value is up to 0.81;the last two years,the SDI value has gradually declined,and the value of the 2016 for 0.562017 years is 0.46.The value of SDI decreases year by year,which indicates that the dependence procedure of Luliang rural credit cooperatives on national financial support has declined,which shows that it has certain sustainable development ability.However,the trend of the sample time,especially in recent years,shows that the rural credit cooperatives in Luliang county are still in a certain degree of dependence.In view of this,Luliang rural credit cooperative needs to take careful consideration of their own development models to adapt to the changes in the internal and external environment.By choosing a suitable development mode,it can improve its business performance greatly,so as to improve its market competitiveness and achieve sustainable development of enterprises.As for the choice of the development model of Luliang rural credit cooperative,this paper mainly uses the comparative analysis method.By analyzing the advantages and disadvantages of the existing cooperative mode,the rural commercial bank mode and the stock cooperation system.Based on the fierce competition environment in Luliang rural credit cooperatives and its poor performance,this paper finds that the Luliang rural credit cooperatives are suitable for the development model of rural commercial banks.The development mode of rural commercial banks can improve the performance of Luliang rural credit cooperatives,which is conducive to the improvement of their market competitiveness.Finally,this paper illustrates the specific direction,which includes market positioning,organizational structure and business innovation.