Agricultural Credit Funds Allocation Efficiency Research Of Xinjiang

"Three rural issues" since ancient times, is a major issue related to beneficial to thepeople’s livelihood, economic development cannot do without the development of agriculture.All along, China to ensure support for agricultural production, and in recent years has beenthe only attach importance to financial support to change to meet the requirements of marketeconomy the financial direct investment and financial credit behavior combination. At thisstage of the urban and rural areas is a multi-level, wide coverage of the rural financial system,vigorously develop the rural economy, the financial support for the development of credit, toenhance the financing. But rural finance in supporting agricultural development, there stillexist many problems, such as the existence of agricultural capital outflow condition, and hasbecome increasingly fierce, the production of agricultural products and industrial expansionloan difficulties, farmers can not obtain the corresponding financial credit support. In addition,agricultural credit funds of our country has no effect to harvest its to be achieved, not only theadministrative area within the national agricultural credit allocation unbalance, credit capitalallocation efficiency is not high.In this paper, on the basis of the scholars on the research results, discusses the theoreticalframework of the allocation efficiency of agricultural credit funds of financial developmenttheory, based on the analysis of the relationship between financial development and economicgrowth, in the allocation of credit funds of the Pareto optimal theory emphasizes on theexploration of connotation, Xinjiang the allocation efficiency of agricultural credit fundsstructure, implementation mechanism, through the financial role in economic developmentand social life of the relationship, the establishment of a Xinjiang agricultural creditallocation efficiency evaluation system.First, from the financial system and credit investment on the development trend ofXinjiang agricultural credit funds, further analysis of the actual credit behavior of Xinjiangfinancial institutions in the rural financial system in the agricultural credit allocation process,in turn from the rural credit cooperatives, Agricultural Bank of China Xinjiang branch,Xinjiang branch of the Agricultural Development Bank, the postal savings bank to the folkfinance discuss their status and function in agricultural credit allocation in Xinjiang.According to the model of agricultural credit funds allocation efficiency of set theory, usingthe econometric method, to verify whether a causal relationship exists between Xinjiangagricultural credit and agricultural economy development in Xinjiang by using time seriesmodel, and then using the data envelopment analysis of Xinjiang agricultural credit allocationto rural economic, social benefits, the actual living standards development. The empiricalresults for Xinjiang agricultural credit allocation to the growth of agricultural economy anddid not play its due role in promoting, due to the existence of scale efficiency, even causeproblems for the development of rural economy. Followed by a deep exploration of theXinjiang agricultural credit funds allocation status and empirical conclusions, to borrow fromboth sides and the operation of the market analysis of causes low efficiency. Finally, in order to improve the allocation efficiency of Xinjiang credit funds target, put forward constructivecountermeasures.