The Study On The Countermeasures To Enhance The Efficiency Of Rural Financial Services In China

With the continuous improvement of the level of agricultural productivity and the continuous optimization of the industrial structure adjustment of agriculture, efficient and sustainable development of agricultural production and the increasingly high demand for financial support, financial innovation, financial services, financial concept; planned economy and a shortage ofunder the conditions of the economy is characterized by the formation of government agricultural extension system, the operation of the financial capital of financial concepts, the development of financial services, are in business promotion, financial innovation, financial reform, the development of rural financial market economic system showing agriculturemany not suited for the development of production, and therefore urgent aspects of the theory and practice of rural financial reform and innovation.Agricultural development increasingly inseparable from capital investments. Whether government support, or SME investment in agriculture, rural finance development more and more attention, so the development of good funds in agriculture is a very important issue. Over the last decade, the development of rural finance has been in a slow stage, the development of rural finance has also been varying degrees of restrictions, for example, in rural areas are more dispersed, so that the problem of the different regions of cultural ideas and different regional economic development influence the development of rural finance, and then carried out for the level of efficiency of financial services in rural areas of this research project will come. So to measure the efficiency of rural financial services in an area of high and low, will become the measure of a region’s rural financial development of the economy, the role of good or bad.In this paper, the development of our country in recent years, rural financial input indicators data and literature studies, including rural financial institutions in the number of outlets in the region, the number of rural finance practitioners, rural finance loan balance and loan rates, as well as the improvement of the situation of the rural economic environment for data analysis and use efficiency evaluation method DEA model, analysis and processing of the input and output, the level of service efficiency of the different regions, such as a series of conclusions and to measure ourthe efficiency of rural financial services, also through these studies provide some data for the development of China’s rural financial services and related recommendations.Through the above analysis, enhance the efficiency of China’s rural financial services in China a few suggestions, first of all to improve the efficiency of China’s rural financial services, must be determined to carry out a number of financial institutions in rural areas according to population and level of economic developmentfor different regions; Secondly, the number of employees need to be different, to continuously improve the quality of rural financial services practitioners qualifications, training and focus on training on a regular basis; once again to better meet the needs of rural financial loans, matching localthe demand for capital circulation system, and the interest rate adjustment tracking survey, with the regional development. On this basis, the rural financial development is inseparable from the strong support of the government to increase financial investment to encourage SMEs looking to invest in rural finance; Finally, while vigorously develop rural financial control of each of the rural financial this risk.