不同市场结构下农村信用社经营绩效研究

The Analysis of Rural Credit Cooperatives Between Market Shares and Operation Performance Based on Different Market Concentration

本文对陕西省85家农村信用社市场份额与经营绩效的关系进行分析。整体来讲,农村信用社贷款市场份额与其经营绩效呈负相关。进一步分析不同市场集中度情况,贷款占比50%以上的农村信用社市场份额与经营绩效负相关,而贷款占比50%以下的农村信用社两指标正相关。这就表明应建立适度竞争的县域农村金融市场,以提高农信社经营效率,充分发挥其主力军作用,从而尽快构建现代农村金融体系。

This paper analyzes the relationship of market shares and operation performance, based on 85 rural credit cooperatives in shaanxi province. Generally speaking, the market shares of rural credit cooperatives are negative- ly correlated with their operation performance. By further deeply analyzing the different degrees of market concentra- tion, it is found that the market shares of rural credit cooperatives whose ratio of loans exceed 50% has a negative cor- relation with their operation performance. However, the market shares of rural credit cooperatives whose ratio of loans less than 50% has a positive correlation with operation performance. It demonstrates that it is necessary to establish a properly competitive county and rural financial market to improve operational efficiency of rural credit cooperatives, to play a more important role and structure a modem rural financial system immediately.