Study On The Developing Of Rural Microfinance In Chongqing

A long time, as a result of China's rural infrastructure is weak, the majority of the rural population, the development of a slow, resulting in lack of coordination of urban and rural development, the poor farmers. In the "three rural" issue, the core of the farmers, and farmers the most prominent is a significant population of farmers, low income, poor quality of life. Statistics show that China has 20% of the population belong to low-income people, most of them belonging to the rural population. How to increase the income of farmers in our country solve the "three rural" and building a socialist "new countryside" the core issue. Micro-credit as a new type of financial approach to the poor through the provision of financial services to become farmers to alleviate poverty, promote employment of an effective way to farmers were introduced to our country, and the rapid development achieved in the anti-poverty remarkable achievements .However, we also noted that China's rural micro-credit development is still difficult to meet the needs of rural economic development, there are many problems, such as non-financial institutions has not been able to clear the legal status, lack of ongoing monitoring and management, the impact of the long-term development; micro-credit institutions is accompanied by lack of funds, risk, management of difficult issues such as services lag. These problems can get proper solution is not only related to the survival of micro-credit institutions and development funds to support farmers to increase security, but also to the rural credit market order as well as the future of rural micro-finance sustainable development, and a direct impact on China's "new countryside" construction. Therefore, this article in Chongqing as an example, the focus of micro-credit for rural development in Chongqing as well as the advantages and disadvantages of the status quo, empirical analysis of the impact of credit to small farmers demand factors, proposed building a micro-credit in rural areas of Chongqing running mechanism . And then to China's rural micro-credit can be healthy and sustained development of the recommendations of the feasibility for China's "new countryside" to contribute to the building.In this paper, the general principles of micro-credit start with the introduction of the concept of microcredit and composition of elements on the basis of the analysis and comparison of Bangladesh and Indonesia's micro-credit model, introduced in Chongqing and the status of microfinance in Chongqing the development of micro-credit problems, the final micro-credit for the Chongqing Municipal Development Mechanism proposals. The full text is divided into six chapters.In this paper, the first section of the paper background, purpose and significance, research ideas, methods and content, as well as at home and abroad for small Research the amount of credit a brief introduction; the second chapter of micro-credit to farmers to be on the basis of the theory; third Chapters on the development of micro-credit abroad the successful experience of a brief summary and analysis of China's development of its small farmers Letter Loan and the development of the revelation of the importance of micro-credit; the fourth chapter on Chongqing's development of rural micro-credit and the advantages and disadvantages of the status quo. Chongqing and the impact of the needs of rural micro-credit Empirical Analysis of factors; Chapter V Chongqing farmers through micro-credit for the existence of issues of building a micro-credit in rural areas of Chongqing run mechanism shows that the healthy development of micro-credit farmers on China's "new countryside" construction of the positive significance.This is due to the inadequacies of the available information is limited, it is difficult to collect the relevant data, the empirical analysis Insufficient analysis, this is the future need for further enhancement. In addition, in view of the author's knowledge structure, and limited capacity, Will inevitably lead to biased paper for your experts, academics correction.