effects of policies, which necessarily is the study has limitations, you can not complete the determination of financial services is valid. How the "three rural" financial services coverage, welfare and sustainability of three aspects define "rural" financial services effectiveness and discuss the extent of financial supply to meet demand, financial services policy effect that the overall welfare of rural improved, as well as the "three rural" financial services income and other aspects, will be the future research directions.
Comprehensive results of previous studies, this article from the financial functions of rural financial services concept to define the effectiveness of Effectiveness of rural financial means: rural financial institutions to provide financial products and services through the financial system play function, thereby improving the efficiency of financial markets. Including both macro and micro levels of meaning, from a macro perspective, the promotion of financial market funds mobilization, capital allocation and risk diversification, and promoting rural economic growth and rural incomes, and promote development of agricultural industrialization; microscopic point of view, financial institutions, profitability, sustainability, staff development, risk control and other aspects. Meanwhile, the specificity and limitations of rural finance, rural financial institutions also bear the promotion of rural-urban migration of capital functions.
The second is the "three rural" financial services effectiveness evaluation criteria. Throughout our country's existing rural financial research, which focused on certain aspects of the rural financial system, part of the research, which, in the rural financial quantitative and empirical analysis, a lot of research focused on the development of China's rural financial system extent. For rural financial services evaluation and analysis of the overall effectiveness of the literature is still rare, the establishment of relevant indicators to evaluate literature less, but from the "three rural" defined in terms of rural financial services will become the next focus of the study.
The author believes that the effectiveness of financial services should be based on whether the function of financial institutions effectively as an evaluation criterion. Specifically, it is whether the various financial institutions to play their due efficiency,
China's rural financial system, including commercial financial institutions, policy-oriented financial institutions and cooperative financial institutions, and other categories, division of labor in the rural financial market in the functions are different. Commercial financial institutions for the purpose of profit, at present, China's commercial banks include five state-owned commercial banks (in agriculture, industry, construction, delivery), 11 joint-stock commercial banks (CITIC, China, China Merchants, China Everbright, China Minsheng , Pudong Development, Shenzhen Development, Bohai, GF, Societe Generale, Zhejiang and China Postal Savings Bank), as well as 110 city commercial banks. In China, with ordinary commercial financial institutions is different, state-owned commercial banks are quasi-public sector, to carry out its special social responsibility. Thus, while commercial banks in rural financial markets earnings less than the city, but for large state-owned commercial banks in the state capital will still be vigorously promote rural financial services, and relying on its large institutions
