Research On Yunnan Province Low-income Groups Financial Resource Availability

The new-type rural financial institutions are constructed to solve the farmers’ loan difficulties. But it’s been avoided servicing agriculture since it’s established. Its credit direction mainly focuses on the small and medium-sized enterprises, export enterprises and rich farmers who have strong ability to repay loans. The ratio of low-income groups’ loans to total loans is very low.Basing on analyzing the capital characteristics of rural bank, the cost of borrowing, the rural financial market, the rural low-income group characteristics as well as policy environment, this paper summarizes the reasons why new-type rural financial institutions exclude rural low-income groups. And it proposes some countermeasures to solve the problems in respect of some aspects such as the rural low-income groups, the new-type financial institutions, the rural financial market, the rural credit-guarantee system, risk compensation mechanism and policy environment.This paper provides a new perspective to solve the farmers’ loan difficulties, urban and rural gap between the rich and the poor, and rural dualization.