Growth Mechanism Of The Operating Efficiency Of The Micro-finance Institutions In Rural Areas

With the rapid development of rural finance and financial environment of continuous improvement, small-scale rural financial institutions has now become an important part in the process of constant development and to accelerate and promote the healthy operation of an integral part of China’s rural financial system, It plays an important role of bridge and link among farmers and basic financial services Charged with the important task of rural development in agriculture the main force in the face of.In recent years, with the state-owned commercial banks in the gradual withdrawal of the financial functions of the rural, small-scale rural financial institutions is also rising. With the continuous progress of China’s rural financial reform process, the rural financial diversified operation and characteristics of a variety of elements coexist. Especially at the national strategic goal of building a new countryside, the rural financial support has become an important project, brought good opportunities for the development of small-scale rural financial institutions in Fujian Province. The systematic study of the operational efficiency of small financial institutions in rural areas in Fujian Province, targeted to optimization of small-scale rural financial institutions operating in Fujian Province efficient way. In order to enhance the viability of small-scale rural financial institutions, improve operational performance, and promote the development of qualified personnel; establish a systematic and comprehensive internal control system and management countermeasures for Fujian Province to further deepen rural reform and development of small financial institutions small financial institutions in rural areas in Fujian Province to give a feasibility recommendations.This paper conduct research around the following seven chapters:Chapter 1 Introduction On the background of this study, the purpose and significance of domestic and international literature review, the thesis of the content and methods; second chapter discusses the evaluation of rural small the efficiency of financial institutions, management theory, methods and data sources of indicators; Chapter III discusses the current situation and problems of small-scale rural financial institutions in Fujian Province, and analyze the factors that affect the efficiency of operation of micro-finance institutions in rural areas of Fujian Province may existent; the Chapter select seven counties and cities in Fujian Province, rural micro-finance institutions as the object of study of the empirical analysis, using the DEA analysis method to calculate the efficiency of the operation of the small-scale rural financial institutions in Fujian Province and evaluation; Chapter Multiple regression analysis the factors that affect the efficiency of operation and management of micro-finance institutions in rural areas of Fujian Province, to identify the main factors affecting the management efficiency of small-scale rural financial institutions in Fujian Province; Chapter ways to enhance and improve the management efficiency of small-scale rural financial institutions in Fujian Province; Chapter VII Conclusion This article summarizes Institute the conclusions and elaborate article studies the deficiencies and defects, more in-depth study to prepare the ground for the future.The main conclusion of this article Institute:First,2008-2011, small-scale rural financial institutions in Fujian Province, there is a rapid development, but the trend is the the fluctuations phenomenon, show a downward trend in 2009, the average operating efficiency, improve operational in 2010trend resumed rising, summed drawn after the reform in 2005, the small-scale rural financial institutions in Fujian Province, Fujian Province, rural micro-finance institutions operating in good condition, the overall trend upward; second, compared with other parts of rural micro-finance in stitutions, In 2008-2011. there Yongding County and Liancheng County rural Credit Cooperative of pure technical efficiency is invalid, and technical efficiency is invalid because the presence of the two small-scale rural financial institutions invalid pure technical efficiency and scale efficiency in valid double impact; third, the main factors to affect the operational efficiency of small-scale rural financial institutions in Fujian Province is inefficient scale of operation, followed by investment in a technology and management level and small financial institutions in rural areas, there is a lack of operating scale investment or excessive phenomenon. Fourth, the method of optimizing the efficiency of the operation of the small-scale rural financial institutions in Fujian Province:First, to improve the existing system of property rights, to optimize and improve the corporate governance structure; Second, to strengthen small-scale rural financial institutions operating within the management system innovation, a reasonable configuration management resources; once again, to improve the scale of operation of the micro-finance institutions in rural areas, encourage the efficient use of operating scale and financial resources; last vigorously promote the institutionalization construction, construction of innovative mechanisms, human resources building.