中文摘要：

本文以探究农村金融机构效率问题的研究进展和前沿动态为出发点，运用不同方法对CNKI在2001-2013年之间收录的相关文献进行分类总结，并结合当前农村金融环境和背景对文献内容进行深入剖析。从2002年起，有学者开始对农村金融机构效率的相关问题进行关注与研究，其中金融学、宏观经济管理与可持续发展、投资学这三门学科是对农村金融机构效率问题研究的引领学科；农业有效资金投入不足、资本运转效率低下、金融组织缺失是造成我国农村金融机构效率偏低的主要原因，影响我国农村金融生态环境的法律体系、农村信用体系等要素均在很大程度上影响着我国农村金融机构效率的整体提升。我国需要进一步采取措施来规范和完善农村金融组织体系，从而有效提高我国农村金融机构的效率。

英文摘要：

Taking the progress and current trends of rural financial institutions efficiency as the starting point , and taking high level of literature as the main research object , this paper tried to summarize and explore the forward viewpoint from the new theory .The research literatures were all derived from the Chinese Journal Net Database .Through the network professional search , the paper classified and summarized the related literatures in CNKI between 2001 and 2013 by using different methods , and analyzed the literature content with the current rural financial environment and background .Since 2002 , scholars have been concerning and studying related issues to the efficiency of rural financial institutions , among which , finance , macro economic management and sustainable development , investment the three disciplines are the lead-ing subjects for the study on the efficiency of rural financial institutions .Further study found： insufficient agricultural capital investment , low capital operation efficiency and the lack of financial organizations were the main reasons for low efficiency of rural financial institutions in China;legal system and rural credit system affecting rural financial ecological environment influenced the efficiency ascension of the whole rural financial institutions , showing we need to take further measures to standardize and improve the rural financial organization system , so as to effectively improve the efficiency of Chinese rural financial institutions .