| China is a agricultural country, agriculture, rural areas and farmers problem is always a relationship between major issues of the country’s economic development and social stability.In China for nearly10years of central document of "number one"are paying close attention to "three agriculture "problem, which fully shows the importance of the rural economy in the national economy and the urgency to solve the problem of "agriculture, rural areas and farmers".Rural finance is the core of development of rural economy development, it is to build a new socialist countryside, the key to improve farmers’ living standard, the rural financial development is the important carrier of rural financial institutions.After years of development, the agricultural development bank of China, agricultural bank of China, rural credit cooperatives have become the three northeast provinces several important financial institutions in rural areas, improve the efficiency of this technology of rural financial institutions.So the three northeastern provinces county branch of rural financial institutions technical efficiency, this paper analyzes the reasons of efficiency difference, to improve efficiency of rural financial institutions, not only can improve their core competitiveness, to the northeast three provinces rural financial support is also important, thus promote rural financial institutions play an important role on the development of rural economy.In this paper, Heilongjiang, Jilin, Liaoning province agricultural development bank, agricultural bank, the provincial rural credit cooperatives in the county branch as research object, through the research and empirical analysis, explore more than the technical efficiency of financial institutions, so as to the northeast three provinces rural financial institutions in the operation and development put forward useful Suggestions to improve its efficiency level.Theory, starting from the background and of research, introduces related research at home and abroad;Second, the bank financial institutions, especially the efficiency of rural financial institutions and the connotation of technical efficiency, and introduces several methods of technical efficiency study of rural financial institutions.Empirical aspect, mainly using stochastic frontier analysis (SFA) to the northeast three provinces from2007to2013the county branches of three rural financial institutions single output to measure technical efficiency.Data source is mainly Bank-Scope in the database of data on China’s rural financial institutions and the annual financial statements.STATA12.0statistical analysis software based on cobb-douglas production function of rural financial institutions the technical efficiency of measuring the output, and then through analysis, the results show that the three northeastern provinces rural financial institutions the technical efficiency of single output value increased year by year general trend, but the technical efficiency between individual difference is very big, the efficiency of rural financial institutions in liaoning province the overall technology level is higher, the three northeast provinces of technical efficiency level ahead of agricultural and rural credit cooperatives.The three provinces in northeast get output on the basis of the technical efficiency of rural financial institutions, the three rural financial institutions technical efficiency influencing factors are analyzed.Through comparison and analysis the difference between each target, find out the cause of regional rural financial institutions technical efficiency difference of some basic factors.At the end of the article, relevant theoretical and analysis, puts forward the three northeastern provinces at six problems of rural financial institutions, and for the three northeast provinces from five aspects of rural financial institutions to improve their level of technical efficiency, enhance competitiveness policy Suggestions are put forward. |
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