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Our policy-oriented financial institutions have the Agricultural Development Bank, Export-Import Bank and China Development Bank three were charged with different responsibilities, China's agricultural policy bank business is basically assumed by the Agricultural Development Bank. Such institutions based on national credit-based, using a variety of special financing instruments, deposits and loans at preferential interest rates, directly or indirectly, for the implementation, with the country-specific economic and social development policies to carry out the financing behavior. Policy-oriented financial institutions stronger leading role in the government, is responsible for conducting national policy to policy, concessions and financial institutions as the main feature, not entirely for-profit objectives. Therefore, in the evaluation of policy-oriented financial institutions validity rural financial services, because different from commercial financial institutions.

与政策性金融机构相类似的，我国还有一种合作性金融机构，如农村信用合作社。农村信用合作社由农民和农村的其他个人集资联合组成，主要资金来源是合作社成员缴纳的股金、留存的公积金和吸收的存款。
And policy-oriented financial institutions similar to our country there is a cooperative financial institutions, such as rural credit cooperatives. Rural credit cooperatives by the farmers and rural coalition of other personal financing, main sources of funding are members of cooperatives paid capital stock, retained deposit provident fund and absorption; loans are mainly used to solve the financial needs of its members. Since RCCs deposits, loans, so RCCs are banking financial institutions, and their mutual aid, self-help for the purpose of the members to carry out deposit, loan business characteristics, it also has the properties of the credit cooperative financial institutions . Such financial institutions in China's rural financial markets special status, and the relatively high share in the evaluation of the effectiveness of its financial services is necessary when combined with its own characteristics of rural credit cooperatives to judge the effectiveness.
In summary, since our policy, commercial and cooperative coexistence of various financial institutions, assume different responsibilities and play a different role, thus making the evaluation of the effectiveness of rural Finance, we must fully consider China's rural financial market particularity, the organization and function concept concept combining theory combined with the actual situation in order to comprehensive, objective evaluation of the effectiveness of China's rural financial institutions. Commercial financial institutions should focus on the effectiveness of micro-management, and policy-oriented financial institutions bear the primary responsibility of national policy conduction, cooperative financial institution's aim is self-help, mutual aid, therefore, these two institutions should focus on the improvement of rural GDP promote agricultural industrialization process and so on.

References:

1, Goldsmith. Financial Structure and Financial Development [M]. Shanghai Joint Publishing, 1998.
2, Edward • S • Shaw. Economic Development Financial Deepening [M]. Shanghai Joint Publishing, 1988.
3, Li Xiaoxi. Macroeconomics [M]. China Renmin University Press, 2005.
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