The Empirical Research Of The Performance Of Si Chuang Rural Credit Cooperatives’ Reform

With the status’s confirm, the rural credit cooperatives as non-bank financial institutions are playing an irreplaceable role in supporting the "three rural". However, as uncertainty of property rights, imperfect governance structure, unperfect management system et factors, the most of rural credit cooperatives operate loss, and it is becoming more and more serious in the future. Therefore, how to strengthen the management, change the operating mechanism, increase profitability, improve service levels become an important issue of rural credit cooperatives that must be addressed. The second half of2003, the rural credit cooperatives reform pilot in shandong, jilin, zhejiang, guizhou, jiangxi, shanxi, jiangsu, chongqing eight provinces and cities is in full swing. Mainly reform the management and property right system of the rural credit cooperatives, to clarification the property rights and perfect its governance structure, and finally achieve the financial status of the basic turn for the better. In August2004, the state council presided a meeting for deepening the rural credit cooperatives’s reform, the reform is carried out in the29provinces of the China except of hainan, Tibet. Overall requirements are "clear property right relations, strengthening the restraint mechanism, enhance the service function, The central government and local government provide appropriate support", so far, overall development momentum of sichuan province’s rural credit cooperatives is good, business operation level is gradually improved, the reform of property right also made staggered progress. Now most rural credit cooperatives of the sichuan province have adopted the mode of the provincial association. Take mianyang’s rural credit cooperatives for example, the paper hopes to evaluate the performance of these rural credit cooperatives after the reform, and it will basically reflect the effect of the reform of sichuan province’s rural credit cooperatives and provide ideas for the further reform of sichuan province’s rural credit cooperatives.This paper first need to define performance of rural credit cooperatives, and then compare the performance of the rural credit cooperatives before and after the reform, judge the effect of the reform. In other words, it judges the effect of this round reform respectively from the system arrangement performance, management performance and business performance three aspects,In order to improve the performance of the rural credit cooperatives, on the one hand, it needs to strengthen themself ability construction, and gradually improve the the system and realize the sustainable development, on the other hand, it needs to make feasible measures of subsidies, dissolve the problems of rural credit cooperatives because of various history reasons. In addition, the government and regulators for rural credit cooperatives should also create a favorable external environment. All in all, need many aspects make efforts together, finally realizes "independent operation and their own profits and losses" of the overall goal.