Rural Microcredit Development Researching In National Regions

How to reduce the poverty phenomena through the financial supporting, promote farmer's income and achieve rural economic development is a problem that the government and academia more concern.Rural microcredit as a kind of financial innovation form, which effectively give target farmers with loan authority and development for the above problem solving, and provides a new idea. Microfinance in China has a vast, potential market space, and has been pushed from rural areas to urban areas. With microfinance business expanding and deeply constructing the new rural, it will benefit more poor people and microfinance demanders.Previous microfinance research mainly focuses on traditional agricultural regions, while the study selects the Enshi tu jia and miao prefecture (hereinafter referred to as Enshi prefecture) which is typical concentrated communities where the ethnic minorities live in. This study takes the Enshi rural economic and financial development as background, and bases on a lot of actual research material, that includes two levels of microfinance which are small credit supply and demand, and analyes the performance and the sustainable management ability of microfinance in this region.Through the use of farmers microfinance on field investigation, I analyzes the financing feature of farmers in the region. Through the above two layers of research. On the one hand, founds problems of microfinance institutions in enhancing sustainable management ability, and makes its continuously serve the farmers; On the other hand, through the analysis of farmers financing feature, understands the farmer's financing preference for small loans and demand situation. Research results show that Enshi microfinance development are still exist many problems. Aiming at these problems, the author puts forward relevant policy suggestions. This paper is divided into seven chapters:The first chapter basically introduces its research background, purpose and topics significance, reviews, made clear the relevant research dynamic this study thought, method and innovative points, points out the shortcomings of the paper.The second chapter basically introduces the theoretical basis of microfinance, including the definition, microfinance funds, loan object, classification and microfinance development theory support.The third chapter analyzes the rural economy and the rural financial background of the development of rural microcredit.The fourth chapter analyzes the supply of rural microcredit.The fifth chapter analyzes the demand situation of Enshi rural microcredit.The sixth chapter is on the basis of analysis to the fourth, the fifth chapter,and summarizes the facing restraints of current Enshi rural microcredit development. The seventh chapter is the policy suggestions. Mainly puts forward a series of policy recommendations on the basis of the above, to promote farmers microfinance healthy development in China impoverished parts of the ethnic minority.