Research On Operating Performance Of Rural Credit Cooperatives In Taihe Of J City

As the mainstay of rural finance, rural credit cooperative has been shouldering the responsibility to provide financial service for farmers, agricultural and the rural. Its reform and development has a pivotal role to support the development of agriculture and rural economy. Since2004Liaoning province was included in the pilot provinces of the national to deepen reform of rural credit cooperatives. With the policy guidance of relevant government department and financial support at the central bank, J city Taihe Rural credit cooperatives in the management of all aspects have achieved preliminary results. In this article, through analyzing the operating performance of Taihe rural credit cooperatives association, exploring the Suggestions to improve the performance, try to provide the reference healthy development, to provide basis for establishing follow-up supervision policy of related department.Based on the new round of rural credit cooperative reform as the background, first of all from the related theory of rural credit cooperatives operating performance evaluation, and based on the analysis of domestic and foreign financial institutions, combined with the particularity of rural credit cooperatives, choose Yaron performance evaluation framework, analyzes the operating performance of rural credit cooperatives. This paper adopts the method of combining qualitative analysis with quantitative analysis, based on the2005-2011the relevant data, summarize indicators completion and operation situation of Taihe rural credit cooperatives. Measure the preliminary analysis of operating performance of Taihe rural credit cooperatives association, using the Yaron performance evaluation framework, with the target client coverage and rural financial institutions continue two index, eliminating subsidies policy factors further analysis, measured in Taihe city credit cooperatives operating performance, consider the ability of Taihe rural credit cooperatives sustainable development, and finally puts forward suggestions on improve their business performance.Through the research, draw the preliminary conclusion:Overall, after the reform in J city Taihe rural credit cooperatives, its performance continues to improve, the basic realization of the commercial and social sustainability, but the existence of the corporate governance mechanism is not perfect, Internal control system is not perfect, profitability limited, to resist the risk level is not advanced problem, restricted the realization of performance optimization, to take measures on the existing problems, and expect to be helpful to further improve the performance of rural credit cooperatives.