An Analysis On Problems Of Rural Microfinance Of Qing Zhen City In China The Present Situation

Our country is a big agricultural country, the population more than800million farmers, But at the same slow development of China’s agricultural economy, China’s economy as a major factor in delaying the overall rapid, healthy and sustainable development. The main factors restricting the development of agriculture, That poorer farmers themselves, but also difficult to obtain credit support, the lack of funding for agricultural development. Because the general theory is that the vast majority of agricultural financing farmers do not have sufficient collateral, guarantees, savings capacity, agricultural production advantages of low income, high-risk, long-term industry. Therefore, the major commercial banks are less willing to put loans to farmers. Such a situation resulted in farmers getting loans in rural areas persist. In this paper, Qing zhen City Case Study of Rural microfinance Market Situation, Respectively, from the historical background and practical background, to put in Qing zhen City microfinance problems restricting factors were analyzed, summarized a common phenomenon in Gui zhou Province microfinance problems and regularity.Microcredit first proposed by Bangladesh in1973, as farmers’difficulty in obtaining loans," rural fund constraint to some extent provides a new idea to improve the farmers’income, on the level of economic development in rural areas has greatly improved. Country in1994, the country began to implement microfinance, microcredit in1999started a pilot implementation of rural credit cooperatives, due to good results, beginning in December2001issued a nationwide promotion.Rural credit cooperatives as a service "three rural" main force, also within the scope of the main providers of rural microfinance business, with its most extensive service network covering the body, the widest field of financial services, employing the most advantage, better promote the healthy and sustainable development of the rural areas of microfinance. This article is based on research conducted in rural microfinance above to Qingzhen City of rural credit cooperatives microfinance development background as a starting point to study the situation of farmers put through microfinance business status and field survey methods and other domestic and foreign problems of mining constraints Qingzhen City rural Microfinance development of rural credit cooperatives, rural microfinance in order to propose countermeasures and suggestions for improvement.