江西省农村信用社经营绩效研究
发布时间：2019-06-13 17:22
【摘要】：农村信用社作为我国农村最为重要的资本要素配置机构，是我国金融机构的重要组成部分，其改革与发展主宰着我国农村金融的命脉，对支持“三农”服务和县域经济发展壮大发挥着“主引擎”的作用，我国农村信用社的发展与改革始终是社会各界的关注焦点。 2004年至2012年，江西省农村信用社存款余额从500亿元增长至3500亿元，贷款余额从300亿元增长至2000多亿元，9年之间存贷款规模增长了6倍多，业务发展水平明显高于江西省内其他金融机构，高于中国农村信用社的平均发展水平，，业务规模已从全省第四位跃居第一位。江西省农村信用社现已发展成为江西省金融机构网点最多、客户资源最广、业务发展规模最大的地方金融机构。作为服务县域经济的主力金融机构，江西省农村信用社已成为落实国家支农政策和省委、省政府发展战略最重要的载体。 农村信用社因农村地区市场份额占有率高和营业网点覆盖面广的优势，使其发展具有一定的垄断性质，为其盈利提供了强有利的支撑，这些是其他金融机构无法比拟的。然而，多年来农村信用社发展历程极其曲折，经历了多次体制改革，至今仍存在产权制度不明晰，法人治理结构不完善，管理责任落实不到位等问题，极大地限制了农村信用社的持续经营发展能力，更影响了我国新农村建设的步伐。 本文运用Yaron绩效评估框架体系，选取农民收入、农业贷款、农村信用社存贷款规模、资产总额和其他财务指标等，对我省农村信用社的经营绩效进行实证研究，得出研究结论：（1）在增加农民收入和减少贫困方面：农村信用社对“三农”的支持越来越大，农民的收入也越来越高，所以说农民收入的增大的很大一部分是由农业贷款拉动的；（2）在目标客户覆盖面方面：江西省农村信用社的各项业务指标都出现了跨越式的发展，如资产规模、存贷规模、贷款品种以及农业贷款等，毫不夸张的说我省农村信用社的发展已经进入了高速发展的时期，因地制宜、因时制宜的推出了很多专门为“三农”服务的金融产品和服务模式，另外通过涉农贷款规模逐年增加，表现出江西省农村信用社在农村经济组织和农村工商企业的贷款支持力度上得到明显的强化；（3）可持续性发展能力方面：虽然江西省农村信用社取得这样的成绩跟政府的政策支持和人民银行的专项支持有很大的关系，并且目前还实现不了不依赖补贴的完全可持续性，但可持续性也逐年改善，并且各项风险指标状况持续好转，业务指标跨越不断刷新。江西省农村信用社的改革取得了初步成功，即提高农民收入、目标客户覆盖面和可持续发展能力上都有了很大的改善，并且支持“三农”的作用也愈加突出。最后根据本文的研究结论提出相应影响农村信用社经营发展的问题，并提出相应的对策和建议。
[Abstract]:As the most important allocation organization of capital elements in rural areas of our country, rural credit cooperatives are an important part of financial institutions in our country. Its reform and development dominate the lifeblood of rural finance in our country, and play the role of "main engine" in supporting the service of "agriculture, countryside and farmers" and the development and growth of county economy. The development and reform of rural credit cooperatives in our country have always been the focus of attention of all sectors of society. From 2004 to 2012, the deposit balance of rural credit cooperatives in Jiangxi Province increased from 50 billion yuan to 350 billion yuan, and the loan balance increased from 30 billion yuan to more than 200 billion yuan. In the past nine years, the scale of deposit and loan has increased more than 6 times. The level of business development is obviously higher than that of other financial institutions in Jiangxi Province, and is higher than the average development level of China's rural credit cooperatives. Jiangxi Rural Credit Cooperative has developed into the local financial institution with the largest number of financial institutions, the widest customer resources and the largest business development scale. As the main financial institution to serve the county economy, Jiangxi Rural Credit Cooperative has become the most important carrier to implement the national policy of supporting agriculture and the development strategy of the provincial party committee and the provincial government. Because of the advantages of high market share and wide coverage of business outlets in rural areas, rural credit cooperatives have a certain monopoly nature and provide strong and favorable support for their profits, which are incomparable to other financial institutions. However, the development process of rural credit cooperatives has been extremely tortuous over the years, and has experienced many institutional reforms. Up to now, there are still some problems, such as unclear property rights system, imperfect corporate governance structure, inadequate implementation of management responsibility, which greatly limits the sustainable management and development ability of rural credit cooperatives, and also affects the pace of new rural construction in China. This paper uses Yaron performance evaluation framework system, selects farmers' income, agricultural loans, rural credit cooperatives deposit and loan scale, total assets and other financial indicators to make an empirical study on the operating performance of rural credit cooperatives in our province, and draws the following conclusions: (1) in increasing farmers' income and reducing poverty: rural credit cooperatives support "agriculture, countryside and farmers" more and more, and farmers' income is also higher and higher. Therefore, a large part of the increase in farmers' income is driven by agricultural loans; (2) in terms of target customer coverage: various business indicators of rural credit cooperatives in Jiangxi Province have developed by leaps and bounds, such as asset scale, deposit and loan scale, loan varieties and agricultural loans, etc. It is no exaggeration to say that the development of rural credit cooperatives in our province has entered a period of rapid development. In addition, the scale of agricultural loans is increasing year by year, which shows that the rural credit cooperatives in Jiangxi Province have been obviously strengthened in the loan support of rural economic organizations and rural industrial and commercial enterprises. (3) the ability of sustainable development: although the achievements of rural credit cooperatives in Jiangxi Province are closely related to the policy support of the government and the special support of the people's Bank of China, and at present, they can not achieve the complete sustainability without relying on subsidies, but the sustainability has also improved year by year, and the situation of various risk indicators has continued to improve, and the business indicators have been constantly updated. The reform of rural credit cooperatives in Jiangxi Province has achieved initial success, that is, the improvement of farmers' income, the coverage of target customers and the ability of sustainable development have been greatly improved, and the role of supporting "agriculture, rural areas and farmers" has become more and more prominent. Finally, according to the research conclusions of this paper, this paper puts forward the corresponding problems that affect the management and development of rural credit cooperatives, and puts forward the corresponding countermeasures and suggestions.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：2498684
[Abstract]:As the most important allocation organization of capital elements in rural areas of our country, rural credit cooperatives are an important part of financial institutions in our country. Its reform and development dominate the lifeblood of rural finance in our country, and play the role of "main engine" in supporting the service of "agriculture, countryside and farmers" and the development and growth of county economy. The development and reform of rural credit cooperatives in our country have always been the focus of attention of all sectors of society. From 2004 to 2012, the deposit balance of rural credit cooperatives in Jiangxi Province increased from 50 billion yuan to 350 billion yuan, and the loan balance increased from 30 billion yuan to more than 200 billion yuan. In the past nine years, the scale of deposit and loan has increased more than 6 times. The level of business development is obviously higher than that of other financial institutions in Jiangxi Province, and is higher than the average development level of China's rural credit cooperatives. Jiangxi Rural Credit Cooperative has developed into the local financial institution with the largest number of financial institutions, the widest customer resources and the largest business development scale. As the main financial institution to serve the county economy, Jiangxi Rural Credit Cooperative has become the most important carrier to implement the national policy of supporting agriculture and the development strategy of the provincial party committee and the provincial government. Because of the advantages of high market share and wide coverage of business outlets in rural areas, rural credit cooperatives have a certain monopoly nature and provide strong and favorable support for their profits, which are incomparable to other financial institutions. However, the development process of rural credit cooperatives has been extremely tortuous over the years, and has experienced many institutional reforms. Up to now, there are still some problems, such as unclear property rights system, imperfect corporate governance structure, inadequate implementation of management responsibility, which greatly limits the sustainable management and development ability of rural credit cooperatives, and also affects the pace of new rural construction in China. This paper uses Yaron performance evaluation framework system, selects farmers' income, agricultural loans, rural credit cooperatives deposit and loan scale, total assets and other financial indicators to make an empirical study on the operating performance of rural credit cooperatives in our province, and draws the following conclusions: (1) in increasing farmers' income and reducing poverty: rural credit cooperatives support "agriculture, countryside and farmers" more and more, and farmers' income is also higher and higher. Therefore, a large part of the increase in farmers' income is driven by agricultural loans; (2) in terms of target customer coverage: various business indicators of rural credit cooperatives in Jiangxi Province have developed by leaps and bounds, such as asset scale, deposit and loan scale, loan varieties and agricultural loans, etc. It is no exaggeration to say that the development of rural credit cooperatives in our province has entered a period of rapid development. In addition, the scale of agricultural loans is increasing year by year, which shows that the rural credit cooperatives in Jiangxi Province have been obviously strengthened in the loan support of rural economic organizations and rural industrial and commercial enterprises. (3) the ability of sustainable development: although the achievements of rural credit cooperatives in Jiangxi Province are closely related to the policy support of the government and the special support of the people's Bank of China, and at present, they can not achieve the complete sustainability without relying on subsidies, but the sustainability has also improved year by year, and the situation of various risk indicators has continued to improve, and the business indicators have been constantly updated. The reform of rural credit cooperatives in Jiangxi Province has achieved initial success, that is, the improvement of farmers' income, the coverage of target customers and the ability of sustainable development have been greatly improved, and the role of supporting "agriculture, rural areas and farmers" has become more and more prominent. Finally, according to the research conclusions of this paper, this paper puts forward the corresponding problems that affect the management and development of rural credit cooperatives, and puts forward the corresponding countermeasures and suggestions.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
【引证文献】
相关硕士学位论文 前1条
1 刘天琦;颍东农村商业银行改制效果研究[D];安徽大学;2014年
本文编号：2498684
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