Research On Rural Financial Service Efficiency Evaluation And Influencing Factors In China's Major Grain Producing Areas

The development of agriculture not only relates to the survival of 1.3 billion Chinese people and the sustainable development of various sectors of the national economy,but also to the realization of China's strategy of building a socialist power.The rural financial problem is an insurmountable key issue for China's eeonomic and social development during the transition period.In 2004-2018,15 centrals 'No.1 Documents" continued to focus on rural financial issues,emphasizing the reality,importance and urgency of rural financial issues.As an important part of rural financial development,rural financial services have been highly valued by the party and the state.In 2017,the No.1 Document of the Central Goverument pointed out that it is necessary to actively explore the effective path of supply-side reform of financial services agriculture.Subsequently,in 2018,the No.1 Document of the Central Committee further pointed out that it is necessary to strengthen the innovation of financial service methods and improve the ability and level of financial services for rural revitalization.It can be seen that rural financial services are an important dimension of rural financial development.The improvement of rural financial service efficiency is the most important part of rural financial development.It is also related to the effect of structural reform of agricultural supply side,and more about China's comprehensively built a well-off society.The achievement of strategic goals.This paper takes China's major grain producing areas as the research object,and based on the domestic and international research results of rural financial service efficiency,evaluates the efficiency of rural financial services in China's major grain producing areas and its influencing factors.Raise countermeasures and suggestions for improving the efficiency of rural financial services in China's major grain-producing areas,and then improve the level of rural financial services and accelerate the process of rural revitalization.This paper first analyzes the necessity of this paper by analyzing the importance of rural financial services to support the development of "agriculture,rural areas and farmers",and on this basis,it analyzes the relevant research at home and abroad.Secondly,it defines the related concepts of rural financial services and major grain producing areas,and builds the theoretical basis of research.Thirdly,based on S-SBM model and Window-Malmquist index,static and dynamic evaluation of rural financial service efficiency in China's major grain producing areas is carried out.Among them,the S-SBM model can overcome the shortcomings of CCR and BCC models for comparing single decision-making units.The model can effectively compare and rank decision-making units.Through the static analysis of the efficiency of rural financial services in China's major grain producing areas,it is found that,first of all,from the overall perspective,the rural financial services in China's major grain producing areas are effective during the research period,with little fluctuations in each year and basically in a stable development state.Secondly,there is a certain gap in the development of various regions.The main producing areas of the Yangtze River Basin and the main producing areas in the northeast are relatively efficient,and the efficiency of the Huanghuai Sea producing areas is relatively low.Finally,the gap between the provinces is large.Jiangsu Province has its rural financial service efficiency in the first place because of its superior geographical position and relatively high level of financial development.Through the dynamic analysis of rural financial service efficiency in China's major grain producing areas,it is found that the total factor productivity of rural financial service efficiency in China's major grain producing areas is growing in 2009-2016,mainly due to the improvement of technical efficiency and technological progress.The role,but its impact is less than technical efficiency.This paper aims to improve the rural financial service level through the research on the factors affecting the efficiency of rural financial services.Based on the panel data model,the empirical analysis of the influencing factors of rural financial services shows that from the macro level,regional economic development,regional employment level and transportation convenience have a positive impact on rural financial service efficiency.From the meso level,the coverage of rural financial institutions,the market share of rural financial institutions and the level of insurance services have a positive impact on the efficiency of rural financial services.From the micro level,the education level of farmers has a positive impact on the level of rural financial services.Finally,according to the relevant analysis in the previous article,this paper increases the financial support from the government to increase the total agricultural output value,increase the coverage of financial services,improve the financial infrastructure construction,establish and improve the agricultural insurance system,standardize the development of agricultural futures market,and promote farmers.Countermeasures for improving the efficiency of rural financial services are proposed in the areas of financial knowledge popularization education and improvement of rural credit environment.