Affecting Factors To Operating Effect Of The Rural Credit Cooperatives

Regaining Rural Credit Cooperatives as an "economic man" pursing to its maximum profits, this dissertation discusses its account structures of assets and liability at first. According to its financial structures, an economics model is further built to testify its operating result from 1998 to 2001 and to find some common trend from samples in different place. Secondly the dissertation analyzes many factors that have an important influence on operating result of Rural Credit Cooperatives. Due to their different mechanism, these factors can be discriminated into inner ones and outer ones. At last, the dissertation gives a lot of advice to improve operating result of Rural Credit Cooperatives based on previous discussions.Besides prologue, this dissertation includes four parts.In Part 1, which is the first chapter too, the dissertation looks back the development course of Rural Credit Cooperatives and summarizes its recent conditions. In order to consider cooperatives as an economic man in economics, this chapter explains its management manners which are as same as those of a commercial bank.Part 2 consists of Chapter 2 and Chapter 3, which try to testify operating result of Rural Credit Cooperatives. In Chapter 2. this dissertation analyzes the structures of assets, liability, deposit and loan of sampled cooperatives. In Chapter 3, an economics model is built and used to calculate profit rate before tax of sampled cooperatives. The calculations will be contrasted between different cooperatives, through which some common trend is expected to expose.This dissertation analyzes different factors influencing operating result of Rural Credit Cooperatives in Part 3, which is made up of Chapter 4 and Chapter 5. Chapter 4 mainly finds out some inner factors and their affecting mechanism, and outer factors are discussed in Chapter 5.The last part is a policy one, which comprises Chapter 6. In this chapter, a lot of useful policies and advice are presented.In sum, the study shows that some measures of inner reformation will contribute to improvement of operating result of Rural Credit Cooperatives. And financial support coming from government is also as important as inner reformation.