An Empirical Analysis Of Influence Of Market Structure On Market Efficiency Of Gansu Rural Credit Market

Nowadays, in promoting economic development,the financial is very important, in the development of national economy plays a important role. Efficiency of banking market will inevitably help local economy to develop. The traditional western industry economics holds that market concentration degree will have an impact on market efficiency. According to the theory of market structure, the higher the degree of market concentration, market efficiency is low. This paper chooses the rural credit market in Gansu Province as the research object, analysis of Gansu rural credit market structure effect on market efficiency, and provide suggestions on improving the efficiency of rural credit market in Gansu.This paper uses the theoretical analysis and empirical analysis method, the relationship between measured by the empiric analysis, Gansu rural credit market structure, market efficiency as well as them. Specifically, the paper is combined by the following six chapters.The first chapter introduces the research significance and background, and the existing related research review, the latest research progress of market performance, market concentration and the relationship between them.The second chapter introduces market structure on how to impact the efficiency of the market mechanism. And then introduces the efficiency structure hypothesis which the current widely accepted and the structure conduct performance hypothesis, the way by which the market structure analysis influence the market efficiency. The third chapter on the current situation of rural credit supply in the study area are introduced, including the main supply, supply and supply characteristic scale.he main part of the paper combines the third chapter,the fourth chapter and the five chapter.The fourth chapter using two index: the absolute concentration degree and the relative concentration,to measure the Gansu rural credit market concentration. DEA method used in the fifth chapter to measure the technology efficiency of Gansu rural credit market. The sixth chapter analyzes the relationship by using the method of regression analysis of market structure and market efficiency of Gansu rural credit market, and draws the conclusion of Gansu rural credit market efficiency and market concentration have negative correlation.The sixth chapter combines the suggestions. and the conclusion. According to the previous chapters analysis, the article draws the conclusion, including three aspects: Gansu rural credit market structure, market efficiency and uneven downward trend, market efficiency and marketstructure have negative correlation. Above the bias of the above conclusion view, to improve the present situation,give the suggestions, the rural credit market efficiency, lower Gansu suggestions include: improving the rural credit market access, exit system; encourage local financial units to find an proper position by their own superiority. And then need breakthrough financial products and service channel to improve their efficiency.