The Study Of Relationship Between Micro-finance Credit Debt And Agricultural Economic Growth In Xin Jiang

The Three Rural Issues in China has always maintained the attention,China clearly pointed out that promoting the growth of rural economy,agricultural economic development is an important way to solve the problem of "three agriculture",the construction of rural financial market is the core part of the development of rural economy and promoting the growth of agricultural economy.Xinjiang is located in the northwest border area in China.It is a typical agricultural economy province in underdeveloped areas.Xinjiang is a major agricultural province of our country resources,but there are signs that Xinjiang's agricultural resources,agricultural population and rural financial policy advantage didn't get enough attention and make full use of the rural financial market,and farmers how to use money to make full use of the abundant agricultural resources of Xinjiang,the government and financial institutions how to increase Xinjiang's agricultural financial support to promote agricultural economic growth,that has become the most critical problem.Micro-finance is not only a kind of financial product innovation,but also a kind of innovation of financial organization system.The Small Farmer Loans broke the limitations of the financial services in the past to the bottom of the financial needs of the group to ease the rural financial repression,effectively promoting the growth of agricultural economy.It is of great significance to improve the rural financial market in Xinjiang,and to maintain a good growth momentum of Xinjiang's agricultural economy,which is a gathering of the ethnic minorities and economically underdeveloped areas.This study is based on Small Farmer Loans and agricultural economic growth in Xinjiang,analyzing the current situation and existing problems of the two uses of research data and related information,the existing data on the basis of the rural micro-finance mechanism on agricultural economic growth in Xinjiang,and fully explained the mechanism.Selecting the C-D production function model and VAR model,the 2000-2014 annual rural micro-finance has carried on the analysis and evaluation of influence of Xinjiang agricultural economic growth,combined with the present situation in Xinjiang rural financial development and Small Farmer Loans.In the government,financial institutions and farmers are put forward to improving rural microfinance development,countermeasures promote better and faster suggestions of agricultural economic growth in Xinjiang,and hope to provide a reliable basis for decision-making and development of relevant financial institutions in Xinjiang.Through the analysis,this paper draws the following conclusions: Xinjiang carries out the Small Farmer Loans of the new lending facility of Xinjiang agricultural economic growth effect has not yet fully apparent,and the loan growth rate of the instability due to the lag effect on agricultural economic growth.In addition to 2015 economic downward pressure,the national economy in a critical period of structural adjustment and transformation,so as to adapt to the changes of the agricultural economy under the new situation,the financial institutions in the issuance of Small Farmer Loans,farmers should be comprehensive study of loan demand,the correct matching cycle of agricultural production and agricultural loans,reasonable recognition of the meaning of "small" and the amount of Small Farmer Loans,increasing the delivery of agricultural loans to support structural adjustment through loans,support the steady growth of agricultural economy.It should deepen the fusion of bank and insurance,making full use of e-commerce information platform,the establishment of rural credit system,improving the supply mechanism,perfecting rural micro-finance funds,improving the efficiency of agricultural loans to expand agricultural credit service coverage,reasonable introduction of rural financial innovation product in accordance with the characteristics of the development of Xinjiang economy.It will not only promoting the improvement of the rural financial system in Xinjiang,improving the level of agricultural economic development and the income of farmers,but also reducing the economic gap between Xinjiang and our whole country.