Research About Rural Household's Micro-Credit Of Yinzhou Bank

The majority rural population of China is a large agricultural country, according to statistics, about one-fifth of the population belong to low-income people, most of which is rural. How to increase the income of farmers as the solution of "agriculture" and building a socialist "new countryside," the core issue. Microfinance as a new type of financial means, through the provision of financial services to the agricultural population into employment for farmers, help farmers to get rich and effective way to be introduced into China, and the rapid development of the farmers income has made remarkable achievements.However, we note that the development of Microfinance in China there are many problems the situation is still difficult to meet the needs of rural economic development, such as the Microfinance insufficient funds, lack of ongoing monitoring and management, affect sustainable development; formal Only financial institutions, rural credit cooperatives extensively farmer credit, micro-credit market led to widespread farmer farmer loans, low coverage of the phenomenon of micro-credit; and microfinance institutions is also accompanied by risks, lack of funds management difficulties and other problems; and the rural credit system in China is not yet complete. These problems can be resolved, not only to the financial security of farmers and farmers production and consumption, sustainable development, microfinance, but also to the rural credit market order and the survival of microfinance institutions and development of a direct impact on China's "new countryside "Construction progress. Therefore, the paper products Yinzhou Microfinance Bank carried out a detailed analysis and research, points out the problems, find solutions to the problems and measures for Microfinance in China can be healthy and sustainable development of reference, as China's "new countryside" and contribute to the building.But we all know, the problem of financing a long time farmers, and how effectively bank credit funds in rural development in the new role of the micro-credit to farmers through the provision of financial services, truly solve the financing difficulties of farmers, farmers alleviate poverty, promote employment of farmers effective way to become the subject of urgent research. This paper first the basic theory of Microfinance study; elaborated on China market Microfinance main problems; through Microfinance Development of research and analysis to identify the development of Microfinance in the existing problem. The development of foreign micro-credit the successful experience of a brief summary and analysis of its effects on the development inspiration Microfinance; for the preceding analysis of the main issues, drawing on foreign experience and the specific situation in our country to the small farmers credit products, the author focuses on the main line of work units-Yinzhou Bank to effectively resolve the issue of farmers getting loans to explore, then farmers and rural micro-credit products combine the credit system, through the letters the user, credit village, the town of credit the creation of small farmers to expand the breadth and depth of credit products for our business development Microfinance to provide new ideas.