农村信用社作为我国金融体系的重要组成部分，长期以来在支持我国农村发展、农业进步方面发挥着重要的作用。随着我国金融体制的不断完善、金融改革的不断深入，农村信用社的定位也将发生新的变化，强化服务“三农”、大力提高机构经营绩效、努力提升服务层次，是新时期经济改革对信用社的新要求。在商业性银行不断缩减农村业务的过程中，农村信用社自身面临着不断增加的业务要求和改革的要求。但从目前我国农村信用社的整体经营情况来看，还存在绩效不佳，运营过程中承担风险偏大等问题，这不仅和信用社自身的定位、功能不符，也影响了其进一步的发展。 本文从扬中市农村信用社经营状况出发，运用绩效评估方法，定性和定量相结合的方法通过各个评价指标，对扬中市信用社的运营、发展进行分析，通过分析影响农村信用社绩效的影响因素，为扬中市农村信用社下一步的改革和发展提供决策建议。 本文共分六章： 第一章为绪论，主要介绍本文的研究背景及意义、国内外研究现状、研究的内容和方法、分析思路等。 第二章介绍了评价农村信用社绩效的相关方法，包括传统的财务指标分析法、非财务指标分析法、赢利能力评价法、Yaron的业绩评估框架理论等。这为分析农村信用社现状和发展提供了理论来源。 第三章介绍了农村信用社的发展历程及经营现状． 第四章介绍了扬中市农村信用社经营状况，通过分析扬中市农村信用社经营的外部环境、业务经营管理状况、竞争力等方面因素，全面分析其经营的绩效。 第五章分析了影响扬中市农村信用社的绩效的原因，分析了扬中农村信用社经营业绩变化趋势，以及各项指标反映的问题所在，剖析扬中市信用社面临的问题。 第六章为本文的政策建议部分，本章将根据总结出的问题，对扬中市农村信用社的进一步发展提出政策建议。

As an important part of China's financial system，Rural credit cooperatives perform an important function on supporting the rural development and the advances of agriculture. As the continuous improvement of China's financial system, financial reform has been constantly deepening, rural credit cooperatives will also be targeting the new changes. The economic reform requires the Credit cooperatives to strengthen its service in the area of agriculture, peasants and rural areas. Recently, commercial banks continue to reduce the rural business, and credit cooperatives themselves also face the ever-increasing operational requirements and the requirements of reform. However, at present, there are still poor operational performance in the course of bank-operations, and other issues as taking risks too large in the overall business situation of China's rural credit cooperatives. These problems not only affects the position of credit cooperatives, but also the function and its further development. By analyzing the development of cooperative finance of Yangzhong, using performance evaluation methods to analyze the operating and development of credit cooperatives by using qualitative and quantitative methods through a combination of various evaluation index. By analyzing these factors impacting performance of credit cooperatives, we want to improve the reform and the development of Yangzhong. The paper constitutes of six chapters: Chapter I introduces the research background, the significance, the present situation of domestic and foreign research, the research frame, the possible innovation and insufficiency and so on. Chapter II introduces the evaluation of the performance of the relevant methods, including traditional financial indicators analysis, non-financial indicators analysis, profitability evaluation. These methods provide a theoretical source of development of rural credit cooperatives. Chapter III describes development of rural credit cooperatives and its operating status. Chapter IV introduces factors that affect the development of rural credit cooperatives，by analyzing the external environment, business management, competitiveness and other factors, comprehensively analyzes the performance of the rural credit cooperatives of Yangzhong. Chapter V using the traditional evaluation system to quantify the operation of the credit cooperatives of Yangzhong, analyzing the problems the credit cooperatives face and the trends rural credit cooperatives have been facing. Chapter VI is conclusion and policy suggestion, making policy recommendations on the further development of rural credit cooperatives.