Evaluation And Selection Of The Management Mode Of Rural Credit Cooperatives In Hainan Province

Hainan as a major agricultural province, the rural economic development affects the economic development of the whole province. The rural credit cooperatives is an important part of China's rural economy in recent years, the reform of rural credit cooperatives attracted wide attention. Hainan Provincial Confederation of rural credit cooperatives in 2007 listed business, is the last reform of rural credit cooperatives, in 2007 before the reform, poor quality of assets, credit risk is big, heavy historical burden, so research on the innovation of operation and mode of rural credit cooperatives in Hainan Province has practical significance.In this paper is a summary of the inside and outside the rural cooperative financial institutions business model research, analysis of the history and current situation of the development of the rural credit cooperatives in Hainan Province, combing the domestic and foreign mature cooperative financial organization management experience, finishing the current rural credit cooperatives optional mode, and use the empirical analysis method to evaluate the rural credit cooperatives in Hainan, efficiency and operating mode of comprehensive evaluation.Hainan Province Rural Credit Cooperatives in the fourth quarter of 2012 data, using the DEA analysis method to evaluate its efficiency, the results show that Haikou, Sanya, Chengmai and Five Fingers Group city in 4 areas DEA effective. The paper also gives the rural credit cooperatives need to reduce the amount of investment under the premise of maintaining the same scale.For the comprehensive evaluation of rural credit cooperatives in Hainan Province, the use of factor analysis method, the final use of the first 7 public factors as the original 28 variables of the proxy variable. The results of factor analysis showed that the comprehensive score of Haikou city is the highest, the lowest score of Five Fingers Group city.The pros and cons of five kinds of reliable current mode of reform of rural credit cooperatives contrast, the author thinks the United Bank model is the rural credit cooperatives in Hainan Province, the best business model options. At the end of the article from the four aspects of internal optimization construction, system construction, operation management and put forward suggestions to perfect the management mode of Hainan Province Rural Credit cooperatives.