Research On Performance Evaluation Of Credit Cooperation Of Farmers' Professional Cooperatives In Fuyang City

With the development of new countryside construction,the demand for funds in rural areas of our country is expanding.However,due to the small scale and seasonality of the demand for funds in rural areas,the risk of borrowing and lending is high and the relative income is low,and the lack of motivation for formal financial institutions to provide financial services to farmers leads to the contradiction between the supply of funds and the demand for funds in rural areas.Farmer professional cooperatives credit cooperation came into being at the historic moment.Practice has proved that the credit cooperation of farmers' professional cooperatives can not only alleviate the contradiction between supply and demand of rural funds,but also play a positive role in increasing farmers' income.In this context,Fuyang City has actively explored the development of credit cooperation of farmers' professional cooperatives,and achieved some results.However,the development level of credit cooperation of farmers' professional cooperatives is quite different,and it is difficult to evaluate the specific effect of credit cooperation of farmers' professional cooperatives.From the perspective of performance evaluation,this paper studies the literature and related materials of credit cooperation of farmers' professional cooperatives at home and abroad,and analyses the research results and shortcomings of credit cooperation of farmers' professional cooperatives,thus leading to the theme and significance of this study.Then around the cooperative finance theory,stakeholder theory and enterprise performance evaluation theory,this paper combs the relevant theories of credit cooperation of farmers' professional cooperatives.Secondly,by comparing various performance evaluation methods,and combining the characteristics of the objectives of this study,the analytic hierarchy process is selected as the main research method of this paper.In order to study the performance level of credit cooperation of farmers' professional cooperatives in Fuyang City,this paper chooses benefit indicators,risk indicators and personnel indicators as the criterion level,and 12 factors as the indicator level,constructs the corresponding performance evaluation system,and then uses the analytic hierarchy process to study the relative weight of each indicator.Then,based on the investigation of 51 farmers' professional cooperatives in Fuyang City,the sample data are extracted,and the data are processed dimensionlessly by the efficiency coefficient method.Then,the performance scores of the research objectives are calculated by the linear weighting method combined withthe index weight.Through the analysis of the results of performance evaluation,the conclusion is drawn that the overall performance level of credit cooperation of Fuyang farmers' professional cooperatives is in a qualified level,in which the personnel index performs best,the benefit index takes second place,and the risk index has some problems and the performance is the worst.Then,combined with the empirical results and analysis,from three aspects: the scale of funds,internal supervision and talents.This paper puts forward reasonable suggestions on credit cooperation of farmers' professional cooperatives in Fuyang City.