Studies On The Foundation Of The Small Rural Financial Credit Company

How provides the financial service to the rural population, is the question which the rural economy development must have to solve, and also is the challenge which the various countries' government faces. The practice and the development of jot credit for solved this problem provide the brand-new mentality, specially followed the jot credit company's experiment site, the countryside jot credit company's development will certainly display vital role in the rural finance. This research embarks from the Chinese jot credit and the rural finance development reality, on the basis of overseas jot credit practice and the experience, analysis the necessity and the feasibility of founded the countryside small finance credit company in detailed.Through the regular cooperation finance organization vacancy,contradictory of the countryside fund supply and demand,the rural credit behavior needs aspect etc,to analyzes the necessity of constructing the countryside small finance credit company;Through analyzing the practice of the domestic and foreign countrysides jot credit and unifiing the concrete condition of our countryside ,to analyze the feasibility of constructing the countryside small finance credit company; at the same time, analyzes the barrier and the reason which countryside small finance credit company;The last part is the conception to our countryside small finance credit company in detailed, including the integrant part, the principle and exterior operation environment which persisted.The main conclusion to this research includes:(1) the key point to Countryside jot credit is the method for helping the poor, no longer locates the dissimilarity as before,in this article it locates a financial organ for serving the general countrysides, so the first principle is the organization sustainable development, and next is giving dual attention to peasant household's benefit.(2) About the countryside jot credit company's integrant part, for example the loan amount, the loan guarantee system and so on, is not fixed, but should be determined according to the local environment, the credit organization condition, it is quite nimble.(3) In China's peasant household jot credit loan company's movement, the benefit interaction mechanism coordination and the consummation between the government, the financial organ and the peasant household, will impel the unceasing development of the peasant household jot credit loan finally.The main innovation spot to this research :(1)Selected topic innovation: According to research material which grasps, breaking the existing unreasonable financial system, the folk capital can make fuller use.The establishment of credit company experiment site indicates the necessity to establishing small credit company, but the further comprehensive proof and proposing the concrete conception research is not mature. This research has a higher theory value and practice instruction significance to the exploration of constructing the new rural finance system in our country.(2) the innovation to the content: Along with the economical development, the demand body to countryside fund and the demand level presents multiplex development tendency. This article bases on financing demand of the main demand community——the farmer, and designs corresponding cooperation finance organization for it;this research was still rarely. (3) The angle to jot credit research will change from the poor domain to the rural finance domain, will have innovation in the rural finance development.