| The report of the 19 th CPC national congress pointed out that "we will continue to give priority to the development of agriculture and rural areas,improve the rural financial system suitable for rural economic development,and improve the ability and level of rural financial services to revitalize rural areas." Improving the quality of rural financial services is conducive to deepening the supply side reform of agriculture in China and is of great significance to the construction of a new socialist countryside.The efficiency of rural financial service is the symbol of the deepening of rural finance and the development of rural economy.Zhangye is a traditional agricultural area with low level of rural economic development and backward rural financial development.This paper clarifies the definition of rural financial services by sorting out and summarizing relevant domestic and foreign literatures,and analyzes rural financial services in zhangye city from three aspects: the main body of rural financial services in zhangye city,the means of rural financial services in zhangye city,and the current situation of rural financial services environment in zhangye city.From a static point of view,the rural financial service efficiency of zhangye city is evaluated based on DEA model.It is believed that the rural financial service efficiency of zhangye city needs to be improved from 1995 to 2017,and the comprehensive efficiency,technical efficiency and scale efficiency fluctuate greatly in the study period.Model based on DEA-EFA,it is from the time dimension evaluation zhangye rural financial service efficiency,zhangye only nine years 1995-2017 years in high efficient area,39.13%,and the rest of the annual average of 14 different degree of presence in the region of the low efficiency and low level,60.87%,since 2016,zhangye low level of rural financial services has been in a low efficiency area,rural financial services to carry out the effect not beautiful;From the perspective of dynamic analysis,based on Malmquist index decomposition method,from the Angle of the micro dynamic evaluation of zhangye efficiency of rural financial services,think in zhangye from 1995 to 2017 rural financial service efficiency,technical efficiency and scale efficiency of these three aspects are improved,and reviewing progress during the period of change has consistency index and total factor productivity shows that the change of total factor productivity of zhangye all depends on the technology changes,technology is the lack of restriction zhangye rural financial service are the important factors of efficiency optimization.Based on the empirical study of rural financial service efficiency in zhangye city,this paper analyzes the reasons for the low efficiency of rural financial service in zhangye city,and puts forward specific optimization paths :(1)improving the main function of rural financial service;(2)improve the level of rural financial service innovation;(3)improve the rural financial market mechanism;(4)optimize the rural financial service environment. |
