Research On The Operating Performance And Influencing Factors Of Rural Credit Cooperatives Under The Mode Of "Internet +"

At present,with the rapid development of Internet technology,various industries based on Internet technology are developing rapidly under the support of relevant national policies.In 2011,the People’s Bank of China allowed enterprises to conduct third-party payment business,marking the formal combination of Internet technology and finance.In 2013,the development of Internet finance reached its peak,with Alipay,Baifa and other platforms erupting in an all-round way.In 2015,premier Li Keqiang proposed the implementation of the " Internet plus" action plan in the government work report of the third session of the 12 th National People’s Congress,making Internet technology a new engine of competition for enterprises,industries and even the country.Fujian Provice Rural Credit Cooperatives(hereinafter referred to as FPRCC)actively responded to the national policy,explored the applications of Internet technology in the fields of electronic banking,credit,e-commerce and electronic payment,and accumulated rich experience and data.Taking the FPRCC as the research object,we research their business performance under the mode of "Internet +" by establishing a multiple linear regression model,and analyzes the factors affecting their business performance in this thesis.This thesis includes seven chapters.In chapter 1,we firstly introduce the research background and significance of this thesis,clarify the research content and method,and finally comb papers on business performance measurement and influencing factors.In chapter 2,we detailly introduce the concepts and theories related to Internet finance and business performance.In chapter 3,we detailly describe the applications of Internet technology in electronic banking,credit,e-commerce and electronic payment in the FPRCC.In chapter 4,based on previous studies and the China Banking Regulatory Commission(CBRC),we establish the index system to measure the operating performance of the FPRCC by selecting 12 indicators including asset profitability,loan growth ratio,capital adequacy ratio and non-performing loan ratio on four aspects such as growth,profitability,safety,liquidity.The data we used in the thesis is from the annual report and statistical yearbook of the FPRCC in Fujian Province.Using data analysis software of SPSS25.0,coefficient matrix was established by factor analysis method,and characteristic coefficient,characteristic value and common factor weight were obtained.The comprehensive performance score of 67 rural credit cooperatives(including Fujian Province Rural Commercial Bank)was calculated acrroding to the common factor weight.On this basis,the cluster analysis method is adopted to divide the business performance into three grades: excellent,good and passing.Finally we analyze the difference of the business performance of rural credit cooperatives in different grades.In chapter 5,the Fujian Province Rural Credit Cooperatives operating performance is as explained variable,the electronic trading business sales revenue accounted for,electricity and electronic credit amount put as the core variable,deposits,margin,and acdemiac dilplomas in rural credit cooperatives whether above college degree of the workers in Fujian Rural Credit Cooperatives as control variables,through the establishment of multiple linear regression model for the coefficient of each variable.The coefficients of the core explanatory variables are 0.412,0.257 and 0.241,respectively.In chapter 6,we provide some suggestions about improving the operation performance level of Fujian Rural Credit Cooperatives under the "Internet +" mode and promoting the better development of the "Internet + rural credit cooperatives" mode acrroding to the results of empirical analysis.In chapter 7,we summarize our conclusions and further research direction.