On The Efficiency Evaluation Of Rural Financial Service In Fujian Province

As the core of the modern economy,finance plays a very important role in the promotion of economy.Whether the financial efficiency high or not will decide the cost of finance taking effect and influence the scale and direction of the productive capital.To a great extent,the financial efficiency decides the wholly developing efficiency of economy.Rural finance is the core of the rural economy that the rural urbanization and agricultural information and so no can't do without the support of finance.Highly efficient operation of finance can obviously promote the rural economy theoretically and logically.The paper is going to test the rural financial efficiency of Fujian province based on the relationship between the finance developing and economical growth.The paper is divided into five parts.First of all,sum up and summarize the research situation about the rural financial efficiency.Then,define the two concepts--rural financial service and the efficiency of the rural financial service as the analysis premise.The third part analyses the current situation of the supply and demand of the rural financial service in Fujian province.The fourth part tests the relationship between the rural financial efficiency and rural economical developing to determine the level of rural financial efficiency of Fujian province and ascertain the location of the rural financial efficiency of Fujian province in cross country via the comparison with the whole country on the same indicators at the same time.At last,combine the current situation of Fujian province and the result of empirical test to put forward the corresponding policy proposal.This thesis draws the conclusions that:First,the scale of rural financial market and the level of net income of farmers of Fujian province are all to low to abstract the financial resources.The capital supply from formal finance is limited and structural imbalanced and can't meet the demand of the rural economical development as the same time too much capital flows in the civilian financial market.The agricultural insurance coverage is too low to lower the agricultural risks.Secondly,the rural financial efficiency of Fujian province is low and has no obviously relationship with the rural economical developing that do a little function on the promotion of the economy.Fujian province locates on the middle position in the comparison with the whole country on the related financial criteria that doesn't match its level of economy developing in the country.Third,in the consideration of the problem above,Fujian province should take the policy proposals that:to develop the rural economy to abstract the financial resources,to encourage the cooperation between the different rural financial institutions to lower the agricultural risks to solve the problems of loaning difficulty and loaning non-agricultural,to guide the civilian surplus funds into the formal and controllable market to strengthen the competitiveness and expand the scale of rural financial market in order to reduce the cost of financial intermediaries and then increase the efficiency.