CAJ | 학술논문

市场竞争不断加剧以及农业经济弱质与效益低的情况下支农行为的弱化,已经成为影响农村信用社经营绩效的关键性因素和核心问题。本文以扬州县域的经验数据为例,采用实证分析,研究市场竞争、支农行为对农村信用社经营绩效的影响。结果显示：（1）农村信用社自身的资产规模和存贷款规模对其经营绩效的影响较为显著;（2）市场竞争力的提高,有利于农村信用社提高自身的经营绩效;（3）支农行为中＂三农＂贷款占比以及农户贷款结构对农信社绩效的影响几乎可以忽略;（4）市场竞争、支农行为对农村信用社经营绩效的长期影响较为显著,而短期影响不显著。
시장경쟁불단가극이급농업경제약질여효익저적정황하지농행위적약화,이경성위영향농촌신용사경영적효적관건성인소화핵심문제。본문이양주현역적경험수거위례,채용실증분석,연구시장경쟁、지농행위대농촌신용사경영적효적영향。결과현시：（1）농촌신용사자신적자산규모화존대관규모대기경영적효적영향교위현저;（2）시장경쟁력적제고,유리우농촌신용사제고자신적경영적효;（3）지농행위중＂삼농＂대관점비이급농호대관결구대농신사적효적영향궤호가이홀략;（4）시장경쟁、지농행위대농촌신용사경영적효적장기영향교위현저,이단기영향불현저。
The increasing market competition,the weak agricultural economy and the low benefit resulted from the contradiction of agricultural behavior have become the decisive factors and core problems for the operating performance of the rural credit cooperatives.Taking the county data of Yangzhou City as an example,this article empirically analyzed the impact of the market competition and the rural support behavior on the credit cooperatives behavior performance.The results showed that：（1） their own assets scale and loan scale have significant influence on the performance of rural credit cooperatives.（2） the increasing market competitiveness of rural credit cooperatives is conducive to its performance.（3） the influence of ＂rural-farmer-agriculture＂ loan percentage and the loan structure of farmers on the rural credit cooperatives is almost negligible.（4） the long-term influence of market competition and the rural support on the credit cooperatives is significant,but has no significant influence of the short-term effects.