| Agriculture is the basic industry of our country,and the rural is the focus of our socialist modernization.Under the conditions of market economy,the financial industry has gradually become the core of the economy,and its influence on the speed and efficiency of economic development is increasing.The rural financial market is an important part of the entire financial market and has become an important driving force for the rural economy.Rural economic development and industrial restructuring cannot be separated from the support of rural financial markets.As a typical agricultural province,Hei Longjiang Province needs more financial support for the development of rural areas.How to judge the effect of financial development on the rural economy,and analyze the effect of the mechanism of action is of great significance.Financial efficiency refers to the efficiency of the entire financial system of a country or a region in the operation of the national economy.Rural financial efficiency provides a good perspective for the study of rural financial support.In this context,this article analyzes the rural financial efficiency of Heilongjiang Province and its impact on rural economic development from a macro perspective.This article first summarizes the previous research results,from the macro perspective,select appropriate descriptive indicators to construct rural financial efficiency evaluation index system,by consulting the relevant statistical yearbook to convert the specific values of each index over the years.Based on this,by comparing several major evaluation methods,the final choice of factor analysis method to comprehensive evaluation of rural financial efficiency in Hei Longjiang Province.Secondly,according to the results of the comprehensive evaluation of rural financial efficiency,the rural savings mobilization efficiency,rural savings investment transformation efficiency,and rural investment investment efficiency have the largest rural savings rates,rural loan-to-loan ratios,and marginal capital productivity in rural areas.As explanatory variables.Then use the vector autoregressive model to analyze the impact of rural financial efficiency on rural economic development.In the first empirical analysis,the rural economic growth rate was selected as an explanatory variable to study the impact of rural financial efficiency in Hei Longjiang Province on rural economic growth.In the second empirical analysis,the rural industrial structure coefficient was selected as the explanatory variable to study the impact of rural financial efficiency in Hei Longjiang Province on the upgrading of rural industrial structure.Finally,combining the concrete results of the evaluation of efficiency and the two empirical studies,combined with thespecific conditions of the rural financial and financial market,put forward four countermeasures to improve the financial efficiency of rural areas in Hei Longjiang Province,namely increasing rural financial supply,innovating rural financial services,Improve the rural credit environment and cultivate competitive rural financial markets.The results of the study show that from 1995 to 2015,the overall level of rural financial efficiency in Hei Longjiang Province showed short-term fluctuations,and there was no obvious increase or decrease in the long-term,indicating that Hei Longjiang's overall rural financial efficiency was low.The analysis of the impact of rural financial efficiency on rural economic growth shows that the three aspects of rural financial efficiency in Hei Longjiang Province,that is,rural savings mobilization efficiency,rural investment investment efficiency,and rural savings investment conversion efficiency,all have a certain role in rural economic growth.,but the respective pulling action is not obvious.At the same time,the three aspects of rural financial efficiency also have a certain pulling effect on the upgrading of the rural industrial structure,and the pulling effect of rural investment and investment efficiency is most obvious.Therefore,to improve the role of rural financial efficiency in rural economic development,we must start with the above three aspects of efficiency. |
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