A Study On The Efficiency Of Rural Financial Support To Agriculture And Influencing Factors In Rural Credit Cooperatives In Xianyang City Of Shaanxi Province

Rural credit cooperatives as the most important part of rural financial system, it’sresponsible for the historical mission of the source of funding for the development ofagricultural economy. Rural credit cooperatives in Shaanxi province after reform anddevelopment have been nearly10years, how the efficiency of rural credit cooperatives useof funds to support agricultural development? And what are the influencing factors of theefficiency of rural financial support to agriculture? This paper is based on this purpose,through the new research perspective and research methods, selecting the rural creditcooperatives of Xianyang city as the research object, in order to find out the problems ofrural credit cooperatives in support of agricultural development according to the results ofempirical analysis, and put forward corresponding suggestions and measures which haveimportant practical and theoretical significance for agriculture and rural finance of ourcoutry.This article took the efficiency of rural financial support to agriculture and influencingfactors in rural credit cooperatives as the main line of research, and anlysized these twoparts based on the rural financial theory and efficiency analysis theory. The researchselected Xianyang city of Shaanxi Province as sample district, acquired the sample data byinvestigating local farmers and rural credit cooperatives in Xianyang: The study firstlysummarized the situation of overall economy and the development of agriculturaleconomy.Second,the study made a detailed analysis of current situation of the demand andsupply of rural finance in Xianyang through the sample of204farmers and rural financialinstitutions. The next, by using panel data from2008to2011,the efficiency of support foragriculture in rural financial institutions is discussed in horizontal and vertical way withmethod of basic DEA model,the SBM-super DEA model and Malmquist index method.Finally, the article did the regression analysis to influencing factor equation by Tobit Modelwith the purpose of finding influencing factors of the efficiency of rural financial support toagriculture. Studies suggest that the Xianyang economy rapid development in recent years, therural financial system presents the farmer credit demand, but the current status are lack offunds supply mechanism; The efficiency of rural financial support to agriculture is generallylow and improved slowly. The total value of agricultural production and the loan-to-depositratio both have a significant positive impact on the efficiency of rural financial support toagriculture, the non-performing loan rate has a significant negative impact on the efficiency,and credit cooperatives profit ratio of capital has no significant effect on the efficiency ofrural financial support to agriculture.