CAJ | 학술논문

2003年启动的农村信用社改革赋予了农村信用社既服务“三农”又实现盈利的双元目标。利用2000－2008年陕西省8市79个区县农村信用社数据，基于效率视角对农村信用社双元目标协调性进行了研究。研究表明农村信用社的双元目标是可以相互协调的，但仍处于低度协调水平。研究还发现考察期内陕西省农村信用社支农效率和利润效率均处于低效率不断增长状态，且均面临着增长率不断下降的压力；2003年启动的农村信用社改革显著提高了其支农效率和利润效率。实现农村信用社双元目标从低度协调水平向高度协调水平提升，可以通过三条路径，分别是单边突破式、扬优补劣渐进式和跳跃式。
2003년계동적농촌신용사개혁부여료농촌신용사기복무“삼농”우실현영리적쌍원목표。이용2000－2008년합서성8시79개구현농촌신용사수거，기우효솔시각대농촌신용사쌍원목표협조성진행료연구。연구표명농촌신용사적쌍원목표시가이상호협조적，단잉처우저도협조수평。연구환발현고찰기내합서성농촌신용사지농효솔화리윤효솔균처우저효솔불단증장상태，차균면림착증장솔불단하강적압력；2003년계동적농촌신용사개혁현저제고료기지농효솔화리윤효솔。실현농촌신용사쌍원목표종저도협조수평향고도협조수평제승，가이통과삼조로경，분별시단변돌파식、양우보렬점진식화도약식。
Rural credit cooperatives have been given dual goals both service for three problems about countryside,agriculture and farmers and pursuit for profit from 2003.Based on the rural credit cooperative data of Shanxi province from 2000 to 2008,the paper studies the coordination of dual goals of rural credit cooperatives from efficiency perspective.The paper finds that the dual goals of rural credit cooperatives are coordinated with each other,but still in the low level.The paper also finds that the efficiency of service for three problems about countryside,agriculture and farmers and the efficiency of pursuit for profit are growing in the low efficiency state,and are faced with the pressure of declining growth.The reform of rural credit cooperatives from 2003 has significantly promoted the effi-ciency of dual goals.At last,the paper concludes three paths to enhance the level of coordination of dual goals of rural credit coopera-tives from low level to a higher degree.