中文摘要：

使用超效率DEA方法,对5类农村金融机构的服务扩展性和财务可持续性效率进行比较研究。实证结果表明：无论在服务扩展性还是可持续性方面,农村资金互助社的技术效率优于村镇银行;农村信用社在服务扩展性方面优于改制后的农村合作银行和农村商业银行,但在可持续性方面,则逊于二者。在服务扩展性方面,农村信用社处在规模报酬不变阶段,而其他4类农村金融机构均处在规模报酬递增阶段。基于以上研究结论,农村金融在增量改革方面,应以更积极的态度发展农村资金互助组织;在存量改革方面,则应积极推进农村信用社的商业化改革;从农村金融市场整体来看,应进一步放松管制,发展更多的各类金融机构,以提升农村金融行业的规模效率。

英文摘要：

Data envelopment analysis（DEA）approach was used to compare the efficiency of 5sectors of rural financial institutions from perspectives of service outreach and development sustainability.The empirical results demonstrate that：The efficiency of the rural mutual cooperative（RMC）sector is better than the rural bank（RB）in respects of outreach and sustainability;the efficiency of the RCC sector is better than the rural commercial bank（RCMB）sector and rural cooperative bank（RCOB）sector in respect of service outreach but worse in respect of development sustainability.In respect of service outreach,the RCC sector remained in the stage of constant returns to scale and the other 4sectors kept in the stage of increasing returns to scale.Based on the above results,the RMC sector should be paid more attention in the process of incremental reform,the RCC sector＇s commercial reform should be moved further,and the rural financial deregulation is needed to increase the scale efficiency of rural finance.