The Empirical Analysis On Operational Efficiency Of China’s New Financial Institutions

Our rural finance is always weak in financial system link. The efficiency of financial support for agriculture, rural credit cooperatives and weakening the monopoly, causes our country rural financial market has been in low and imbalance.In order to solve the above-mentioned problems, meet rural far change service demand, fill the blank of rural financial market, China’s rural financial organizations arises at the historic moment. China’s rural financial organizations including town bank, small loan companies, new farmers mutual cooperative. China’s rural financial organizations in rural financial market can gain a firm foothold, whether it can adjust measures to local conditions give full play to its own operation efficiency, to bring real benefits farmers become the focus of attention. Therefore, this thesis on China’s rural financial organization operation efficiency empirical analysis.First of all, in the reviews the current research situation at home and abroad, on the basis of the rural financial development based on the theory of agricultural credit subsidies theory, the rural financial market theory and imperfect competition theory defines China’s rural financial organization’s connotation and the rationality of the existence of financial structure theory analysis based on China’s rural financial organizations in rural financial market competitiveness, according to financial efficiency theory to a certain extent, sum up and summarize the data envelopment analysis (DEA) method of the theory, and based on this, lists the data envelope analysis method, theory model.Secondly, to our country rural financial organization operation efficiency of the influencing factors were analyzed, and the results of the study is to get the new rural financial organization quantity in rapid growth year after year, but compared to the traditional rural financial institutions, network coverage is small; Interest rate distortion and the existence of rural financial market in rural credit consciousness, legal framework weak influence China’s rural financial organization operation efficiency.Again, through the method of China’s rural financial organization operation efficiency evaluation. To get the results of the study is:, from the overall perspective China60%of the new rural financial organizations to achieve efficiency effectively,40%of the new rural financial organizations can not reach the efficiency effectively; To be not effective the new rural financial organization of input output adjusted, if want to achieve effective can keep main business cost and advocate business wu income invariant conditions, increasing number of staff and workers, capital, deposit scale and net profit Or it can be in keeping the advocate business wu cost, deposit scale and net profit under the condition of constant, increasing number of staff and workers, capital and main business income; China’s rural financial organizations in addition to their own jurisdiction in economic conditions other than differences, their operation efficiency difference is mainly displays in advocate business wu cost, advocate business wu income, deposit scale, etc, and all kinds of index index allocation of resources better the new rural financial organization operation efficiency is higher.Finally,puts forward some Suggestions on strengthening the new rural financial organization’s profit ability, good construction of the rural financial ecological environment as well as the improvement of differentiation village bank, small loan companies and farmers mutual funds the operation efficiency of organization countermeasures.