基于因子分析法的晋中农村信用社经营效益影响因素分析

Analysis of Jinzhong Rural Credit Cooperatives Operating Efficiency Influencing Factors Based on Factor Analysis Approach

为优化农村信用社管理,利用2014年山西统计年鉴,采用因子分析法,运用SPSS软件对晋中市农信社15个典型营业网点经营影响因素进行了分析。结果表明:技术效率因子在存贷比、业务创新能力、大专(含)以上学历员工比例和营业成本率上有较高的负荷,配置效率因子在不良贷款比、支农贷款比上较大的负荷,规模效率因子在平均总资产、投资股比和法人股比、当地第一产业比重、当地人均GDP上较大的负荷。因此建议要注重人才培养、加大资金投入力度、建立健全内部管理激励机制。

In order to optimize the management of rural credit cooperatives, through the analysis of the rural credit cooperatives of Jinzhong city 15 typical business outlets operating data,using Shanxi statistical yearbook of 2014,through factor analysis and SPSS, the software of management factors were analyzed . The results showed that the technical efficiency factor in the loan to deposit ratio, business innovation ability, college （ineluding） school calendar to staff ratio and operating costs were high load rate. Efficiency factor in the proportion of non-performing loans, agriculture loans ratio the larger the load. The scale efficiency factor in average total assets, ratio of investment shares and corporate shares than local, proportion of the first industry, local per capita GDP large load. It was recommended that pay attention to personnel training,increase capital investment efforts to establish an incentive mechanism to improve the internal management.