四川大学公共管理硕士（MPA）学位论文
The research of deficiencies and strategies on the
supervision of rural credit cooperatives in L city
Major: Public administration
Postgraduate：SuYi
Supervisor：JiangGuoqing
Abstract: Rural credit cooperatives undertake an important function of serving
basic financial service in the financial market of county and rural area，its stability
and development connect to the economic development of county and rural area and
the equal right of acquiring basic financial service equally.Now,rural credit
cooperatives have some defects for their origins of cooperative system,such as
governance framework deficiency,diseconomy of scale and the conflict between the
organization mission and economic revenue. Rural credit cooperatives have become
the fragile segment of normal financial system in our country for its defects,needing
to strengthen its ability of resisting financial risks and self-development by financial
supervision
The paper summarizes the supervisory actions to the rural credit cooperatives of
supervisory authorities in L city from three scales which can be divided into
macroprudential
supervision,microprudential
supervision
and
behavioral
supervision.Using ensemble index data and dynamic panel data econometrics to
assess the efficiency of supervisory actions to the rural credit cooperatives in L
city.The research found the supervisory actions to the rural credit cooperatives of
supervisory authorities in L city obtained notable effect of regulating the operate
action and risk prejudice.But the supervisory actions still have the defects like
lacking communication to financial consumers and the intensity of follow up
supervisory actions,delay of supervisory technology development,insufficient
II

四川大学公共管理硕士（MPA）学位论文
on-site supervisory action These defects mainly origin from the insufficiency of
regulatory resources,the resource rivalry between prudential supervision and
behavior supervision， too many conflicting missions setted by supervisory
authorities.For horizontal comparing the performance level of the supervisory
actions to the rural credit cooperatives,the paper referenced EU common
performance evaluation framework and financial sector assessment program of IMF
and used entropy method to evaluate the supervisory performance of every district
supervisory authorities in S province where L ciry locates.Finally, The paper
combined the alalysis of supervison progress and the supervison effect evaluation
with the effect of supervision effectiveness comparative evaluation to analysis the
deficiencies in the supervision of credit cooperatives in L city， then the paper
initiated feasible policy recommendation.The paper also served a feasible analytical
framework for implementing performance management in financial supervisory
authority.
Keywords:Rural credit cooperative,bank supervision,performance evaluation
entropy method
III

四川大学公共管理硕士（MPA）学位论文
目录
1绪论..........................................................................................................................1
1.1研究背景与研究意义.......................................................................................1
1.1.1研究背景.......................................................................................................................
1
1.1.2研究意义.......................................................................................................................2
1.2国内外研究现状..............................................................................................3
1.2.1国内研究现状..........................................................................................3
1.2.2国外研究现状..........................................................................................4
1.2.3国内外研究述评......................................................................................6
1.3研究思路和方法...............................................................................................6
1.3.1研究思路...................................................................................................6
1.3.2研究方法..................................................................................................8
1.4研究的创新与不足..........................................................................................9
1.4.1研究的创新..............................................................................................9
1.4.2研究的不足..............................................................................................9
2相关概念界定与理论基础...................................................................................10
2.1相关概念的界定............................................................................................10
2.1.1农村信用社............................................................................................10
2.1.2银欧亿·体育（中国）有限公司监管............................................................................................10
2.1.3农村信用社的监管主体........................................................................10
2.2理论基础........................................................................................................11
2.2.1政府管制理论.........................................................................................11
2.2.2银欧亿·体育（中国）有限公司监管有效性评价理论.................................................................12
2.2.3公共管理绩效衡量理论........................................................................12
3L市农村信用社的发展历程与现状....................................................................14
3.1L市农村信用社的起源与沿革.....................................................................14
3.1.1农村信用社的起源................................................................................14
3.1.2L市农村信用社的历史沿革.................................................................14
3.2L市农村信用社的现状.................................................................................15
IV
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