新疆农村信贷资金配给效率研究

Study on the Efficiency of Rural Credit Rationing in Xinjiang

【目的】研究新疆北疆地区农村信贷配给效率,为制定更加高效的农村信贷政策提供参考依据。【方法】选择新疆北疆乌鲁木齐、昌吉、吐鲁番、伊犁、博尔塔拉州、塔城以及阿勒泰地区农村作为研究对象,运用协整检验和对比分析的方法,综合测评新疆农村信贷配给效率。【结果】新疆北疆农业信贷资本的投资产出弹性为-1.15,似然概率的对数值是70.56,农村中小企业信贷资本的投资产出弹性为2.27,似然概率的对数值是51.37。新疆农村信贷配资金配给效率较低下,而农村中小企业的信贷配给效率相对高。新疆北疆地区农业信贷资源在分配时对于高增长部门的敏感度不高,新增的农业信贷投入中,具有高增长性和高盈利性特征的农业部门获得贷款数量较少,而农业信贷资金较多的流向了经营业绩一般且盈利性较差的部门。【结论】加强制度建设和信贷后续监管,从源头上解决农村信贷配给效率低下的问题,提高新疆农村信贷资金配给效率,确保信贷资金更好的服务于农村经济建设。

[ Objective ] Xinjiang rural credit scale is constantly expanding every year, total loan demand is large and growing fast, but the efficiency of the credit supply is not optimistic. In Southern Xinjiang, the amount of agricultural credit is small, which is not representative, therefore, the author chose the rural areas in Northern Xinjiang as the research objects and analyzed the efficiency of rural credit rationing. [ Method ] On the basis of the predecessors＂ research methods and contents related to the problems, according to the content of the study, the relevant data were collected and sorted and by using the method of cointegration measurement statistics and comparison method, the efficiency of rural credit rationing in Xinjiang was analyzed. [ Result ] Data analysis showed that Xinjiang rural credit rationing efficiency was low, but there were differences in cred- it rationing efficiency for rural agricultural and rural small and medium - sized enterprises ： agricultural credit rationing displayed low efficiency, and rural small and medium - sized enterprise credit rationing efficiency was relatively high. [ Conclusion ] The author found the reason why rural small and medium - sized enterprise credit rationing efficiency was higher than the efficiency of the agricultural credit rationing in Xinjiang after the comparative analysis, and mentioned corresponding suggestions ： strengthen the follow - up supervision and administration of the system construction and credit, solve the problem of low efficiency of rural credit rationing from the source, improve the Xinjiang rural credit funds allocation efficiency and ensure the credit funds in rural economic construction.