Research On The Impact Of Rurral Financial Ecological Enviroment On Financial Effciency In The Yangtze River Economimic Belt

The issue of rural development has always been a key concern of the state and society.Rural finance is an essential key force in building a rural economy.Therefore,promoting the development of rural finance can further promote the healthy and sustainable development of the rural economy.However,it is undeniable that rural finance requires a good rural financial ecological environment.However,at present,China's rural financial ecological environment is fragile and China's rural finance is at a weak link in the financial system.From the perspective of rural finance in the Yangtze River Economic Belt,On the one hand,because the Yangtze River Economic Belt is now the focus of China's economic development,it is highly valued by the state and society.On the other hand,comparing with cities,at present,there is not enough attention in the rural areas of the Yangtze River Economic Belt,and insufficient attention has been given to the role of rural finance in driving the economy.This article refers to scholars' literature on the connotation,theory and index system of rural financial ecological environment.First,the principal component analysis method is used to measure and evaluate the four dimensions of the rural financial ecological environment in the Yangtze River Economic Belt from 2009 to2017.Second,the data envelope model and Malmquist index are used to statically and dynamically measure and analyze the rural financial efficiency of the Yangtze River Economic Belt from 2009 to 2017.The Arcmap software was used to analyze the spatiotemporal evolution of the rural financial efficiency value of the Yangtze River Economic Belt from 2009 to 2017.Finally,a panel Tobit regression model was used to conduct an empirical analysis of the impact of the rural financial ecological environment on financial efficiency in the Yangtze River Economic Belt.(1)From 2009 to 2017,the overall growth of the ecological environment in the Yangtze RiverEconomic Belt showed a steady trend with less fluctuations.Judging from the specific indicators,the rural economic environment and government behavior have a clear hierarchical distribution,with uneven development characteristics,and the social environment has been greatly improved.From the perspective of the development of rural finance itself,the financial environment of Shanghai and Zhejiang is far higher In other regions,the overall differences in the remaining rural financial environment are small.(2)From the static analysis of the rural financial efficiency of the Yangtze River Economic Belt from 2009 to 2017,the overall level of its overall efficiency value is low and needs to be improved.Compared with the pure technical efficiency of rural financial technology in the Yangtze River Economic Belt,the scale efficiency value of each region in the Yangtze River Economic Belt Low,its overall efficiency value is mainly affected by the scale efficiency value.From the perspective of the spatial and temporal distribution characteristics,the rural financial efficiency of the Yangtze River Economic Belt has a certain spatial distribution difference,and there is a tendency for the value of rural financial efficiency to decrease from the eastern region to the western region.(3)From the dynamic analysis of the rural financial efficiency of the Yangtze River Economic Belt from 2009 to 2017,from the perspective of rural financial total factor productivity,there is a rising trend with less fluctuation.In most years,the total factor productivity index is higher than 1,and the efficiency of technological progress is the main reason.(4)The rural economic environment of the Yangtze River Economic Belt will promote the improvement of rural financial efficiency and will have the greatest impact;Rural government behavior factors are not significant for rural financial efficiency;The impact of rural social environmental factors on rural financial efficiency is positive,and promotes the improvement of rural financial efficiency;Rural financial development has a negative impact on rural financial efficiency,which is not in line with expectations.Finally,according to the results of the empirical research,some suggestions are made to improve the rural financial efficiency of the Yangtze River Economic Belt.