Problems And Optimization Research Of The Rural Financial Resources Allocation Function In China

Chinese agricultural output growth does not drive the rapid growth of the agricultural economy,rural residents income and consumption data,although have continued to grow,but compared with the urban residents' income and consumption situation,is the relative decline.The "bottleneck" of the rural economic development in our country is capital and resources,root is resources cannot be effective configuration in the countryside,the rationalization of rural financial resources allocation are obvious promoting role on the rural financial development and economic growth in rural areas,at the same time,the gap between urban and rural areas and reform resistance restrict the rural financial resources allocation."The development of modern agriculture" and "reform" occupy a prominent position in the three agriculture-related issues in China.To solve "The three agriculture-related issues" is always occupies an important position in the development of modern society,finance is the core of China's rural economy,to deal with the problem of the three agriculture-related issues in China,the role of finance can not be replaced,the financial organization system is the basic function of financial resources in time and space configuration,the rationalization degree of the financial resources allocation determines rural financial development speed,urgent need to perfect our country rural financial resources allocation so as to promote the development of rural finance and economy.The paper based on the view of financial function and efficiency theory,by using DEA-Tobit two phase model,from the aspects of theoretical and empirical analyze the rural financial system resource allocation efficiency and its influencing factors,understand the problem of rural financial resources allocation efficiency in our country,by using HP filter model through empirical data clearly present situation of the rural financial resources allocation in China,longitudinal comparison our country rural financial resources allocation data throughout the years,through the analysis of the data clear situation and trend of the rural financial resources allocation in China,through qualitative and quantitative two aspects analyzes the problems existing in the rural financial resources allocation function,and analyzes the causes of problems,from the rural capital allocation,the supply and demand,financial institutions,the informal finance and Internet finance etc in China,in-depth analysis of the existing rural financial resources allocation problem and its reason.The financial resource allocation optimization model is applied to analyze problems to improve the rural financial resources allocation,compare the theoretical model data and real data,comparing the weight of available financial data,understand the improvement of the rural financial resources allocation,combining with the experience of the existing rural financial resources allocation,draw lessons from existing research results,puts forward suggestions on the improvement of the rural financial resources allocation.from the configuration system,policy support and institution itself and regulatory system etc,to establish multi-level multi-channel financial allocation of resources to provide strong financial support,financial support;to expand the government's policy support span,continue to tilt to agriculture,rural areas and farmers;on the premise of strict regulation to prevent andappropriate relax market access threshold,promote the formalization of non-formal finance;systematic guarantee rural financial activities,in the form of law clear rural financial organization form and rural problems such as the Internet financial subject,improve the rural financial resources allocation function.