The Research On Rural Financial Resource Allocation Efficiency And Optimization Approach In Fujian

Financial is the inevitable product of the development of economic and social to a certain stage. Our daily life has been financial inseparable. Finance is the core of Chinese socialist market economy, also is the core of Chinese rural economic reform, and is important to solve China "3farming" problem. However, at this stage of China’s Rural Finance on rural financial support was not obvious, is restricting the further development of rural economy. The main reason is China’s rural financial resources in structure and allocation in non equilibrium. The present rural finance exists serious shortage of funds and capital outflow phenomenon, some large state-owned commercial banks have withdrawn under county and county rural credit cooperatives outlets, but due to the backward management level, the quality of staff is not strong, the emergence of serious supply deficiency of rural financial resources, restricts the development of rural economy and society. In this case, the rural financial efficiency problem caused the concern of many scholars. Improve the efficiency of rural finance to promote rural economic growth and farmer income increase is very important.Based on the analysis of Fujian province rural financial resources allocation. In the empirical analysis, using factor analysis. Fujian province rural financial resources allocation evaluation, explore Fujian rural financial efficiency constraints. Finally, put forward to improve the efficiency of rural financial resources allocation in Fujian Province, the train of thought and way. The main conclusions are as follows:First,1995-2009years, Fujian province rural financial efficiency fluctuation great. Second, rural financial efficiency factor, saving mobilization efficiency on rural economic growth has the most remarkable effect, and saving investment conversion efficiency for rural economic growth minimum. Fourth, restricting the Fujian province rural financial efficiency of internal factors mainly include:lack of rural financial resources allocation theme, the rural credit environment is not perfect, the agricultural financial resources allocation mechanism and the defects of the rural financial ecological environment is fragile. Fifth, improve the rural financial efficiency ways include:to strengthen the rural financial resources allocation subject function, improve the rural financial resources allocation mechanism and the optimization of rural financial ecological environment resources.