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The Assessment of Rural Financial Efficiency and Analysis of the Influencing Factors in China

Author: FanZhenYu
Tutor: GuNing
School: Jilin University
Course: Financial
Keywords: Financial development Rural financial efficiency Factor Analysis Panel Data
CLC: F832.7
Type: Master's thesis
Year: 2013
Downloads: 289
Quote: 0
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Abstract


As a core element of modern economy, Finance acts as a decisive role in thedevelopment of economy. In today’s conditions of market economy, The financialefficiency is the key decision of the finance to promote economic development. Ruralfinance is one of the key links of the financial system, it act as an important role toChina’s modernization of agriculture and the rural economy. Thus, Rural financialefficiency is directly related to the solution of China’s issues of “Farmers, Rural Areas,Agriculture Production”.However, at present the level of China’s rural financialefficiency is not high, there are lots of problems on rural finance: A large number ofrural funds become non-agricultural or flow to the cities through various channels.The rural financial institutions are acting as the role of "pump", Which prevent thedevelopment of rural economy, and the income of farmers. The issues of “Farmers,Rural Areas, Agriculture Production” is still an important problem in China’s socialistmodernization. How to improve the rural financial efficiency, to solve the issues of“Farmers, Rural Areas, Agriculture Production”, to promote rural economicdevelopment has always been an important issue for Chinese scholars to carry outtheoretical researches and empirical tests.The Financial Development Theory was targeted at the developing countries, thecore idea of which is to explore the relationship between finance and economicdevelopment, is the theoretical basis of financial efficiency. The FinancialDevelopment Theory contains three stages: Financial Repression Theory、 FinancialDeepening Theory and Financial Restraint Theory. Accordingly, the rural financialalso experienced Subsidized Credit Paradigm、Rural Financial Systems Paradigm andImperfectly Competitive Market Theory. our scholars have made progresses on ruralfinancial efficiency and its influencing factors, however, they doesn’t form a system or reach a consensus in the academic community.This paper is based on the rural economic and financial data of eastern, centraland western of China and the data covers15provinces. Drawing on the researches ofour scholars, this paper builds the evaluation index of rural financial efficiency,involving savings rate index, transformation rate index of saving into investment andthe efficiency of investment, with which the author can describe China’s ruralfinancial efficiency. This paper does the factor analysis with Eviews To make acomprehensive evaluation of the China’s rural financial efficiency, and to try tocontrast and explain the differences and problems in China’s regional rural financialefficiency. The conclusion is: overall, the rural financial efficiency of eastern China ishighest,followed by the central China, and with the support of policy the ruralfinancial efficiency of western China grows fast but still at a low level. The easternChina should continue to maintain the high efficiency of rural finance to provideeffective protection for the rural urbanization and agricultural modernization. Thecentral China should continue to practice the strategy of rising in central China topromote the rural financial efficiency to avoid rapidly developing western China’scatching up. in additions, the western China should take advantage of the strategy forthe development of the western regions and the relevant preferential policies, takingefforts to improve the efficiency of rural finance, turning the advantages of funds andresource into advantages of economy.This paper explores the factors that affect efficiency of China’s regionalfinancial from the aspects of economic environment, the life of the peasants, the levelof urbanization, the financial structure and the social security in rural areas. In the end,this paper puts forward policy suggestions and Points out that urbanization is animportant way to improve the China’s rural financial efficiency. The conclusion is:the level of agriculture, rural investment in fixed assets, the ratio of consumption andincome of farmers which represents the living standards of farmers, and rural credit ofrural credit cooperatives give a significant impact in raising the efficiency of ruralfinance. Governments at all levels should continue to implement the urbanization,what’s more, they should perfect the policies that can benefit and enrich the farmers,improve and expand the services of rural credit cooperatives, taking efforts to achieve agricultural modernization, to narrow the gap between urban and rural areas, and tosolve the issues of “Farmers, Rural Areas, Agriculture Production”, Eventually, thenwe can realize the great rejuvenation of Chinese nation.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Local financial services industry
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