Study On The Development Of Gansu Rural Credit Cooperatives

Rural credit cooperatives in rural areas of Gansu Province is an important part of thefinancial system, is the new rural construction major financial power, has long been playing arural finance "main force" role for the development of rural economy provides a strongfinancial support. However, insufficient supply of rural credit finance can not meet thefinancial needs of farmers, and Rural Credit Cooperatives, there are still not clear propertyrights, corporate governance structure imperfect. Therefore, the system analyzes thedevelopment of Gansu Province Rural Credit problems, to improve the level to meet thefinancial needs of farmers and promote the sustainable development of rural creditcooperatives, has very important significance.The paper uses the C2R model of DEA method to evaluate the performance analysis ofthe Gansu province Rural Credit Cooperatives during2001-2010, draw the overall efficiencyand scale efficiency of rural credit cooperatives in2005after the existence of the DEA isinvalid, the technical efficiency of DEA conclusions.Use the questionnaire in2012,10cities in Qingyang city of Gansu Province, Pingliangcity, Wuweicity, Dingxi, Tianshui city, Jiuquan city, baiyin city, Gannan AutonomousPrefecture (state),20counties (districts)conducted a field survey. The survey’s main purposeis to understand the satisfaction of Rural Credit Cooperatives farmers borrowing situation.680total issuance of questionnaires,650questionnaires, of which630valid questionnaires.Statistical results show that: the financial needs of farmers,87.27%of the farmers are notthe Rural Credit Cooperatives as the preferred lending channel complex and costly proceduresto obtain loans from Rural Credit Cooperatives; from loan amount,68.13%of the loanamount farmers obtained loans of less than$10,000; from the loan period,63.58%of thefarmers to obtain short-term loans of less than1year; from loans obtained, farmers obtainborrowings are mainly in the form of certificates of deposit; from the service of the RuralCredit Cooperatives,70.44%of the farmers are not satisfied with the attitude of the servicesprovided by rural credit cooperatives held sense of service of employees, the level of businessand service attitude were25.37%,22.93%and35.85%;The Rural Credit Cooperatives can notmeet the borrowing needs of farmers,there is a lack of supply, mainly for the supply offinancial services, distribution outlets unreasonable, insufficient supply of financial productsand credit supply function can not meet the financial needs of farmers.Through literature review and qualitative analysis method, a brief overview of the systemof property rights and corporate governance structure of Rural Credit Cooperatives, andcombined with case studies concluded that: Currently Gansu Province Rural Credit Cooperatives widespread property ownership is not clear, formal corporate governancestructure and internal staff to control a serious problem.In response to the problems of the Rural Credit Cooperatives in the development process,from the point of view of the government and Rural Credit Cooperatives made the followingrecommendations: to increase government support efforts to assist credit unions to deal withnon-performing loans, innovative mortgage-backed; improve Rural Credit Cooperativesfinancial supply function to expand the scope of loans of farmers, innovative financialproducts, widening the scope of services of the Credit Union; clear property rights system andimprove the corporate governance recommendations.