Chinese Agricultural Credit Fund Allocation Efficiency Study

The dissertation focuses on the allocation efficiency of China's agricultural credit funds.By studying precursors'research and the present allocation of China's agricultural credit funds, it constructs the corresponding theoretical framework which is used to make the comparison between the domestic and overseas agricultural credit systems. Basing on the positive analysis of the credit allocation, this dissertation reveals the low efficiency of the allocation. By analyzing the causing factors of the problem, it puts forward the mode, mechanism and strategies for the high-efficient allocation of China's agricultural credit funds.Researching Contents of the DissertationThe dissertation mainly studies the following contents:1. The theoretical framework for allocation efficiency of agricultural credit funds;2. The international experience for agricultural credit allocation;3. The total effects of China's agricultural credit allocation;4. The assessment and variation analysis for China's agricultural credit allocation efficiency;5. The mode-choosing of China's agricultural credit allocation efficiency;6. The mechanism-cultivating for the promotion of allocation efficiency of China's agricultural credit funds;7. The strategy construction and policy framework to upgrade the allocation efficiency of agricultural credit funds.Conclusion of the Dissertation1. Co-affected by many factors, the allocation of agricultural credit funds is an economic process, during which it is expected to achieve the win-win situation of suppliers and demanders.2. For all nations, no matter developed or developing, the allocation of agricultural credit is carried out under the effective utilization of the market mechanism. It is also safeguarded by sound agricultural credit system and statute.3. Even though there is a rapid increase in the total amount of China's agricultural credit allocation, the allocation efficiency is not satisfactory owing to the limited efficacy of agricultural credit funds.4. There is distinct regional difference in the allocation efficiency of China's agricultural credit funds. Therefore, it is necessary to make different policies to upgrade the allocation efficiency.5. Choosing the suitable mode for agricultural credit allocation is the key to upgrade the allocation efficiency.6. Strengthening the allocation mechanism of agricultural credit funds is the important condition for upgrading the allocation efficiency.7. China's agricultural credit allocation must adopt necessary upgrading strategies to reconstruct plentiful traditional farmer economy and upgrade the competitive abilities of China's agricultural industryPolicy Recommendations of the Dissertation1. To reconstruct the operating mechanism of agricultural businesses.2. To rebuild the framework of agricultural credit organizations.3. To perfect the system of china's rural financial market.4. To innovate the agricultural credit products and service.5. To perfect the supervising system of china's agricultural credit.Innovation of the Dissertation1. By studying the works of precursors'research, this dissertation constructs the connotation, mode, mechanism and theoretical framework of agricultural credit allocation, providing theoretical gist for optimizing the allocation of china's agricultural credit funds.2. Basing on the conclusion of theoretical and demonstrational research, the dissertation proves that the combination of cooperation between government and market can serve as a proper allocation mode for agricultural credit funds. It also constructs an operating mechanism to upgrade the allocation efficiency of agricultural credit funds from the aspects of supply and demand, price, competition and supervising.3. Taking agricultural development and the effective cooperation of finance into consideration, the dissertation systematically puts forward the strategical construction and policy framework to upgrade the allocation efficiency of agricultural credit funds.