农村信用社运行绩效与影响因素:西部地区311个样本  

Running Performance and Influencing Factors of Rural Credit Cooperatives: Example of 311 Samples in Western Regions

作　　者：李敬[1] 陈澍[1] 

机构地区：[1]重庆社会科学院,重庆400020

出　　处：《改革》2012年第8期47-52,共6页Reform

基　　金：2010年度国家软科学重大招标项目"城乡统筹与农村生活形态变化研究"(批准号:2010GXS1D094);2010年度国家社会科学基金项目"西部地区农村金融发展的区域差异与劳动分工的关联度分析及政策取向"(批准号:10BJY061)

摘　　要：围绕农村信用社"高效、可持续地为农村经济发展服务"的组织目标,建立了农村信用社运行绩效的评价方法,并基于西部地区311个乡镇农村信用社的调查资料,运用排序多元选择模型对农村信用社运行绩效及影响因素进行了实证研究。结果显示,311个乡镇农村信用社的运行绩效整体处于中偏差的状态,与人力资本结构、农户信用体系建设、农村信用社的治理结构及运营方式相关的10个变量是影响运行绩效的重要因素。Centered on the organizational goal of rural credit cooperatives to facilitate rural economic development effectively and stably, the authors set up a method evaluating the performance of rural credit cooperatives. Based on the investigation into the 311 rural credit cooperatives in the township of the western region, they make empirical test on it by taking use of ordered multiple choice model. The results show that the performance of 311 rural credit cooperatives running is ordinary, even bad. It shows that ten variables are crucial factors influencing the performance of rural credit cooperatives, that are human capital structure, construction of famer credit system, governance structure and running way of rural credit cooperatives, and so on.

关 键 词：农村信用社人 力资本 农村信用社信用体系 农村信用社治理结构 

分 类 号：F832.35[经济管理—金融学]