Research On The Efficiency Evaluation Of Rural Financial Service In Heilongjiang Province

The efficiency of rural financial service is the token of rural finance deepening and rural economy development. The financial support is essential to the development of modern agriculture. So, as China's important food base and a big agricultural province, to improve the efficiency of rural financial service is the key link for Heilongjiang province to speed up the pace of transformation from the traditional farming to the modern agriculture, and to realize the leap-forward from a big agricultural province to a strong agricultural province.The traditional theory of rural financial efficiency takes Pareto optimal allocation as its evaluation standard from the financial organizational point of view, ignoring the systematic features of rural finance and the effect imposed on the rural finance by the rural economy. Whereas, the function efficiency view embodied in financial sustainable development provides theoretical support for the research on efficiency evaluation of rural financial, realizes the perspective changing from organizational view to functional view.Firstly, this dissertation sorts and summarizes the relevant literature at home and abroad, defines the concept of rural financial service, analyses its features and functions from the perspective of rural economy's endogenous requirements and rural financial system, based on reviewing the formation and development of rural finance. Subsequently, this dissertation reveals the hierarchy of rural financial service efficiency, which is the comprehensive embodiment of intermediative efficiency, allocative efficiency and adaptive efficiency of rural financial service, the uniform of function efficiency and system efficiency, and analyses the factors influencing the efficiency of rural financial service thoroughly. Secondly, through comparing the different view of financial efficiency formed in financial develop theory, this dissertation takes the coordinated development of rural finance and rural economy as the evaluation standard of rural financial service, referred to the theoretical essence in financial sustainable theory and philosophy of coordinated development; and elaborates the mechanism of coordinated development of rural finance and rural economy. Finally, this dissertation makes qualitative analysis on the rural financial amount, the intermediative efficiency and allocative efficiency of rural financial service in Heilongjiang province by using the trend analysis method and makes empirical study on the coordinated development of rural finance and rural economy in HLJ according to the evaluation standard mentioned above by building the VAR model usually used in time series analysis, so is the quantitative evaluation on the efficiency of rural financial service in Heilongjiang province.The countermeasures proposed in this dissertation will provide theoretical basis and method guidance for the sustainable development of rural finance and rural economy in Heilongjiang province.