The Performance Evaluation Analysis Of Sichuan Rural Credit Cooperatives

China’s rural financial reform has gone through 11 years. The goal of financial reform in rural areas has become increasingly clear, is to learn from the successful experience of enterprise reform, the existing rural financial sector, including rural credit cooperatives, should be transformed into commercial sustainable development modern rural financial system, but also can satisfy the needs of rural regional small and medium enterprises and farmers effectively funds necessary.this paper argues that:rural credit cooperatives own good business ability and capacity for sustainable development is the premise of rural credit cooperatives in rural areas can effectively meet the financial needs. Analysis of only the correct operation of the existing rural credit capacity and sustainable development capacity that we can further study of rural credit cooperatives, as well as the future direction of development of the necessary reform measures. Otherwise, it is bound to fall into blind language policy research and Games trap.Rural credit cooperatives, after so many years of reform, whether it has changed the past, poor asset quality, weak profitability situation? How many of these experiences and lessons can be learned, which areas need to continue to carry forward indefinitely, and which aspects need further reform, these are academics and policy makers are concerned about.In this paper, the Sichuan Provincial Rural Credit Cooperatives Association’s 51 county-level association as an example, the study of their operating conditions, and further analysis of their capacity for sustainable development.This article is divided into seven parts:Part one of this article introduces the research background, research ideas, methods and data sources.The second part is to recall the main course of development of rural credit cooperatives and the current operating status, and clear credit cooperatives "quasi-commercial bank" in nature, namely, rural credit cooperatives in accordance with the market-oriented, sustainable commercial development.PartⅢis the introduction of rural credit cooperatives in Sichuan Province fundamental data (such as:market share, business outlets, etc.) and agro-input. Sichuan Province to the overall operation of rural credit cooperatives and agro-input has a basic knowledge.PartⅣof this article introduces the principles of performance evaluation, evaluation indicators and evaluation methods. Rural credit cooperatives is mainly based on the three commercial banks operating principles (safety, liquidity, profitability) coupled with the principles of sustainable development (3+1) the basis of design evaluation.PartⅤis based mainly on the Sichuan Provincial Rural Credit Cooperatives Association under 51 at the county level association from 2001 to 2007 financial data to evaluate the classification followed by analysis of indicators.PartⅥis the modeling part, mainly set up hierarchy model of AHP for each evaluation index calculated by weight, based on a weighted combination of business performance model to calculate the performance of each institution’s total score.PartⅦis the part of policy proposals, mainly in the foregoing analysis, based on targeted policies Recommendations, improves rural credit cooperatives in order to achieve business performance objectivesThe main innovation and contribution of this paper is:1、the rural credit cooperatives operating performance evaluation of commercial banks based on the classical three basic principle in design evaluation index, and joined the principles of sustainable development to perfect the entire evaluation system. Achieve full compliance with credit reform direction, forward-looking and feasibility.2、creativly using the AHP model with a weighted combination of models to calculate the total score and ranking performance. Performance Evaluation of rural credit cooperatives in the study of the various types of literature, a single index, item by item is very common, similar to the model of this paper, there are many, but the combination of two types of methods, and personally designed the model research has very little.3、This article provides a set of credit reform, internal body of scientific appraisal mechanism for the top leaders and operators to provide a realistic appraisal of the platform within the body, has great relevance to facilitate their effective supervision and motivation of all member institutions to improve efficiency.4、In-depth and fine writing of this article, using a large number of easy to understand charts, step by step to the model, reading this will have on the operation of rural credit cooperatives throughout the Sichuan Province, has from the macro to the micro-well understood. You will easyily understand the source and objectivity of the evaluation.