Study On The Influences Of The Profiability Of Rural Credit Cooperatives Of D City

Along with the development of social economy,more and more people become to realize the huge potential of the rural economy,but the rural credit cooperatives which take a big part of the rural financial are often ignored.As the banking financial institutions,rural credit cooperatives are important parts in the financial system in our country.Only the better and faster development of rural credit cooperatives can promote the rural economic prosperity.How to measure the development speed and quality,profit is the key factor.Profit increased not only can optimize its regulatory indicators,for example,the capital adequacy ratio and preparation of coverage,also can promote the rural economy to a new level and new situation.This article,starting with the development and reform process of the rural credit cooperatives in D City,introduces the current situation of the rural credit cooperatives in D city and the trend of the development and Reform in recent years.Based on the recent four years' operation data,the current business structure,income and expenditure sources,regulatory indicators and other business situations are systematically analyzed.The relevant indicators of the profitability indicators used in the performance evaluation of commercial banks and other financial analysis DuPont analysis method on the effect of D city rural credit cooperatives profitability of trend analysis,and selected the D City Commercial Bank and Jiangyin Rural Commercial Bank of industry analysis.At the same time,I also pay attention to the differences in the composition of income,the composition of expenditure and the innovation of management,and draw the shortcomings of the D rural credit cooperatives in the aspect of profit.Aiming at the present situation,this paper puts forward five factors which are huge non-performing loans,single business products,extensive management mode,operation system administration and fierce external competition.At the end of the article,I put forward five countermeasures to improve the current profit of the rural credit cooperatives in D city.It is pointed out that it only reduces the operating burden by increasing the expansion of the stock and tying the bad loans,and dissolves the operation risk.But it did not play a substantial promotion to its actual profitability.Only by actively developing new business,effective control of operating costs,efforts to promote the management mode reform,take measures to effectively effect on its profit improvement.