Research On Performance Evaluation System Of Rural Credit Cooperative

As the main force in the rural financial, China’s rural credit cooperatives (RCC)which located across the whole country, has been taking the important task of support "agriculture-countryside-farmer" in a long-term. RCCs are important part of country finance, which are powerful impetus to promotion of agricultural production, increase of farmers’ income and development of rural economics. RCC itself accumulated a lot of problems in the development and reform history. As the problems highlighted themselves, government supervision department began to take a series of measures to ensure the stable and healthy development, such as the spread of loan five-category classification. Marketization is a trend of rural cooperative financial. Supervision standard of RCC would comply with supervision standard of commercial banks’Based on relative theories of performance evaluation, this paper constructs a performance evaluation system for RCC based on BSC, which inspects the actual operating conditions and performance from four perspectives which are finance, internal process, employee and customer respectively. The performance evaluation system constructed in this paper makes up for the deficiencies of the existing performance evaluation system of RCC. Through combination of qualitative and quantitative indicators, it inspects the financial and non-financial factors which have an important impact on the company’s future performance. Be based upon existing evaluation index system, this paper takes some replacement and make up, and then chooses22evaluating indicators from the four perspectives. Expert evaluation method is used to weigh the four aspects and every indicator. Progressive average method is used to set up the assessment criteria for quantitative indicators and questionnaire is designed for qualitative indicators. At last as an example, the performance evaluation system is applied to Y RCC, and it is used to evaluate the performance of the eight branches of Y RCC. The evaluation result of the branches of Y RCC can not only reflects its relative position, but also mirrors its strengths and weaknesses, which is useful for the targeted promotion of the branches of Y RCC.