Performance Evaluation On Rural Credit Cooperatives Reform Of Yingshang County

China since ancient times is a large agricultural country,farmers income,rural commodity economy,business development problems have become the impact of China's modern economy an important factor.Fully solve the "three rural" issues can promote the development of China's modem economy faster.A key to solve the problem of "three rural issues" is the rural financial problems.Credit cooperatives are the main force of the rural financial market.But the development of rural credit cooperatives in the twists and turns,also appeared in the reform of many problems,such as unclear property rights,imperfect management mechanism,the heavy burden of history,have so many bad assets,poor asset quality,single business,professional level and moral quality low personnel seriously affect the development of rural credit cooperatives.This requires deeper and broader reform.From the pilot reform in 2003 to the present,various regions according to local conditions,according to their own economic development and other factors,selection of cooperative system,joint-stock cooperative system,shareholding system in property rights reform of rural credit cooperatives.In respect of the organization mode,according to different circumstances,the county credit cooperatives,rural cooperative banks,rural commercial bank mode.This paper draws on the indicators of Yaron proposed evaluation of rural financial organization,establishes the evaluation index system for evaluation of Yingshang County Rural credit cooperatives reform performance.This paper selects three primary indicators,namely,increasing the income of farmers,reducing poverty;coverage index;sustainability indicators.The three level indicators is divided into eight second level indexes,namely:the annual per capita income of farmers,farmers loans,deposit and loan balances and growth rates,loans to farmers and the proportion and the number of institutions of rural credit cooperatives and practitioners,the subsidy dependence index,non-performing loan ratio,level of profitability.Through the level indicators and secondary indicators to analyze performance of the reform of rural credit cooperatives in Yingshang County,and thus the Yingshang County Rural credit cooperatives reform evaluation,find out the problems existing in the reform,and puts forward the corresponding countermeasures and suggestions.Although the rural credit cooperatives have made achievements in the reform,the rural joint-stock commercial banks have also set up,but still in the initial development of the rural commercial bank,there are still many problems,we must continue to improve the reform of property rights and corporate governance structure;reduce the historical issues,resolve the historical burden;to further improve the rural commercial the bank's management ability;ability to strengthen the rural commercial bank service "three rural";to introduce professional talents,establish an effective incentive mechanism;the disposal of non-performing assets,optimizing asset structure;perfecting internal control mechanism,strengthen supervision,strictly prevent financial risks.Study on the Yingshang County Rural Commercial Bank reform,the reform of performance appraisal can help us study in other areas of rural credit cooperatives,and can provide experience for the rest of the reform and development of rural credit cooperatives,therefore has the profound theoretical and practical significance.