Technological Innovation And Application Study Of The Peasant Peer-selection Loan

Is unceasingly thorough along with the rural finance reform, conforms to the market economy rule commercial credit to be supposed to become the modern China countryside credit the mainstream. In the world "Microfinance revolution" tide, the Chinese Rural Credit Cooperative Agency peasant joint-guarantee loan commercialization operated successfully reduced farmer's credit admittance threshold, and has obtained certain credit investment scale, the property quality and the profit repayment. The peasant joint-guarantee loan technology in the Chinese countryside practice indicated the jot loan commercialization operation has feasible and the long-enduring. At the same time, the peasant does not use any mortgage, through undertakes the association to guarantee mutually the responsibility may obtain the production to have to loan; On the other hand the agricultural letter society through this way, reduced the credit risk, and can obtain certain economic efficiency.Peer Selection took the microfinance the core technologies, practices in the process in the rural credit cooperative agency to manifest the huge comparison superiority. The peasant joint- guarantee loan is one kind of regular financial organ provides the standard the loan product, conforms to the microfinance degradation pattern law of development, and under the microfinance principle instruction, innovates unceasingly. In the Chinese countryside society reforming process, the joint guarantee credit pattern entrusts with the time connotation and the region characteristic unceasingly, its goal community and the aiming mechanism all had changed. Xiangshui Rural Credit Cooperative Agency's practice utilization microfinance core technologies link; At the same time the microfinance traditional control technology is relaxed. The coverage is the microfinance fairness consideration target, this article tells that the breadth and the depth of the scale change response coverage about a county level Rural Credit Cooperative Agency joint-guarantee.At present, effective under sparse incomplete and under-supply standard banking institution agricultural loan product condition, agriculture credit rations and rational pricing mechanism problem is important problem needed to solve by joint-guarantee credit sustained development. In new interest rate of our country (0.9-2.3 times unsteady policy range benchmark interest rate), set forth xiangshui Rural Credit Cooperative Agency peasant joint-guarantee loan under rural area credit allotment condition, choosing upper limit modulus fixed price cause of formation.Rural Credit Cooperative Agency peer-selection loan besides the traditional helping the poor mission, must raise the peasant customer community more importantly.The international experience already proved the financial organ provides the jot credit to be possible to gain continually, in China's practice proof also however. This article uses for from the northern Jiangsu xiangshui Rural Credit Cooperative Agency's practice data, has carried on the examination to the peasant loan commercial operation theory. With the rural finance data demonstration county level independent calculation banking industry financial organ jot credit near six year development course, describes the peasant joint-guarantee loan each stage law of development, specially describes the situation which the peasant loan property risk accumulation and the property quality worsen, and carries on to its root searches analyzes. The peasant loan develops continually must overcome the core technologies decline question, carries on the synthesis innovation technology to enhance the core technologies application effect, realizes the peasant joint guarantee loansustainable development.