Research On Efficiency Evaluation And The Modest Scale Of Rural Funding Cooperative Organizations With Non-expected Output

For a long time,the financing difficulties of farmers in rural areas has been plagued by the rural areas of economic development and social development of the long-standing problem.On the one hand,there are some reasons for the lack of formal financial supply in rural areas.On the other hand,it is also difficult to meet the requirements of the formal loans of the formal financial institutions because of the "small,urgent" and "lack of collateral" in rural areas.It is in this context,the rural credit cooperatives is set up in this context.Since the pilot project of rural credit cooperatives in 2007,although the lack of typical development paradigm and legal status,but because of its cooperation and support agriculture,the real solution to the credit needs of some farmers,so the rural financial mutual aid society has a strong vitality,Its size is constantly increasing.The increase in the size of rural credit cooperatives has brought many aspects to the mutual aid community.On the one hand,the larger scale makes the economic and social benefits of the mutual aid society.On the other hand,the larger scale makes the management of the mutual management more difficult and increases the risk of running,and the behavior of the mutual aid society appear.Therefore,the study of the appropriate scale of rural credit cooperatives is very meaningful.This paper will select 22 cases of financial institutions in northern Jiangsu from 2009 to 2014 financial statements as a sample study.The DEA model is used to determine the comprehensive efficiency of rural credit cooperatives.By comparing the comprehensive efficiency values of different scale ranges,we get a scale of the most comprehensive efficiency,which is the appropriate scale.In the case of input-output variables,the expected output is added to the DEA evaluation model as an output indicator,and the overdue rate is chosen as the non-expected output indicator.In the aspect of input,this paper chooses the scale of mutual benefit,net asset value and management fee.In terms of output,this paper chooses mutual benefit interest,bank interest income,average loan size and "three rural"loan ratio as output index.After analyzing with the DEA 2.1 software,the total data of the total data of the total data of the total comprehensive technical efficiency were obtained by comparing the average comprehensive technical efficiency of each group.300-600 million yuan.This is the appropriate scale of rural credit cooperatives in northern Jiangsu.