农村信用社经营绩效评价及对策研究——以a县农村信用社为例

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1、山东财经大学硕士学位论文摘要作为农村地区的主要金融机构，农村信用社是我国农村金融系统的基础力量，在我国农村、农业经济发展中具有举足轻重的地位，农村信用社发展好坏直接影响着我国“三农”发展。我国农村信用社整体经营状况不佳，不仅影响着农信社自身的发展，也使其支农功能大打折扣，为此，本文以A县新一轮改革为背景，分析了影响其经营绩效的内外部因素，并以此作为理论支撑采用DEA法对A县农信社经营绩效进行实证分析。通过研究发现A县农信社在采取一系列改革措施后，经营绩效有了显著改善，但相对于最优决策单元还有一定

2、差距，集中表现为信用社存贷资金总量不足、贷款资金周转偏慢、不良贷款总额偏高，要解决这一问题需要从优化资产结构、完善贷款运行机制、清理不良贷款等方面入手，提高A县农村信用社的经营绩效。关键词：农村信用社经营绩效DEA法技术效率规模效率iAbstractABSTRACTAsruralfinancialinstitutions,RuralCreditCooperativesisthebasicforceofChina’sruralfinancialsystem,andplaysaroleofthema

3、inforceinruralfinance.FromtheoveralloperationsituationofRuralCreditCooperatives,thepoorperformancenotonlyaffectsthedevelopmentofcredititself,butalsoaffectsthefunctionofsupportingagriculture.Thearticletakes“A”CountryRuralCreditCooperativesreformasther

4、esearchbackground,definesthebasicconnotationofCountryRuralCreditCooperativesperformance,analysesthefactorsthataffecttheperformanceofCountryRuralCreditCooperativesfromtheexternalenvironmentandinternalcontrol,andprovidesthetheoreticalsupportforthefollo

5、winganalysis.TheempiricalresearchresultofCountryRuralCreditCooperativesperformancebyDEAmethodshowsthat“A”CountryRuralCreditCooperativesperformancehasbeensignificantlyimprovedafteraseriesofreformmeasures.Butcomparedtotheoptimaldecisionunit,thereisacer

6、taingap,witchconcentratesincreditandloanamountinsufficient,loancapitalturnoverisslowandnon-performingloansishigh.Inordertosolvingtheseproblems,wemuststartfromoptimizingassetsstructure,improvingtheloanoperationmechanism,andcleaningupnon-performingloan

7、stoimprove“A”CountryRuralCreditCooperativesoperatingperformance.Keywords:CountryRuralCreditCooperatives;OperatingPerformance;DEAmethod；TechnicalEfficiency;ScaleEfficiencyii山东财经大学硕士学位论文目录第1章绪论...............................................11.1研究背景及意义.

8、.......................................................................................11.1.1研究背景...............................................................................................................11.1.2研究意义................................