Shaanxi Province Rural Financial Support For Agriculture Efficiency And Its Influencing Factors

One of the important reasons is the lack of the credit in the rural areas, which results in the imbalance of economic development between the city and the rural, and the income gap between the citizen and the peasant. To solve the shortage of capital problem, one hand, we should increase the rural financial supply for the credit, but it is more important to improve the efficiency of rural financial support to agriculture. The efficiency of rural financial support to agriculture is different from the efficiency of rural financial institutions, and also different from agricultural production efficiency, it is defined to measure the rural financial contribution to the rural economic.Based on the Shaanxi rural economic current situation, this paper concludes the characteristics of Shaanxi rural financial need and supply, using related financial theory, the paper studies technical efficiency and scale efficiency of the rural finance by the basic data envelopment analysis (DEA) firstly, then analysis the super efficiency using the SBM-Super DEA model, finally, through Tobit model, this paper does a research on the influencing factors of the Shaanxi rural financial efficiency for further.Studies suggest that the efficiency of rural financial support to agriculture of Shaanxi is not high; it is obvious that the efficiency has a large gap in different place. Economic development level, the rural financial market scale, asset quality of rural financial institutions and its operation efficiency has a significant positive impact on rural financial efficiency; The degree of rural financial institutions commercialization (the proportion for investment shares in all the shares) has negative effect on the efficiency. Therefore, to improve the efficiency of rural financial support to agriculture of Shaanxi province, Firstly, introduce technology and expand the scale of rural finance for getting a higher technical efficiency and scale efficiency, Secondly, ameliorate the rural financial institutions of asset quality and improve the management efficiency of the rural financial institutions. Thirdly, develop the rural economy and optimize the rural economy industry structure. Fourthly, according to the development of the rural economy, an appropriate structure can be chosen for the governmental financial institutions, commercial financial institutions and the cooperative financial institutions.