The Research Of The Problems Of Rural Credit Cooperatives Micro-credit

Rural economic issues have always been the main bottlenecks that restrict the sustained, rapid and healthy development of China's economy. The major factor that effects the development of china's rural economy is shortage of funds, while the rural labor supply is saturated,so appearing the phenomenon of labor and capital uncoordinated,Coupled with the slow development of china's rural financial, the contradiction between the demand and supply of credit funds is obvious,the efficiency of government subsidized loans is not high, it is difficult to change the situation of the shortage of funds in rural areas fundamentally, So there is an urgent need for rural financial innovation to meet the requirements of the further development of the rural economy. How to provide financial services to the rural populationis is a problem that must be addressed.And also been a challenge for governments.The farmers to micro-credit business of Chiping rural credit cooperatives development early, The business is supported by the local government and the People's Bank, it playing a significant role in promoting economic development. However, because of the funding problems, operational risks, interest rates and other reasons,the business encountered some problems. The article lets the problems as starting point,based on the field survey of chiping rural credit cooperatives, to explore the cause of the problem, and proposeing specific solutions at last.This article is divided into five chapters:The main content of the first chapter is the background and research purposes of Micro-finance, developments at home and abroad, development status and The main content and the main method of this article. The main content of the second chapter is the overview of the theory and the evelopment situation of micro-credit.The main content of the third chapter is the empirical analysis of the Chiping rural credit cooperatives, Introduces the status of small business loans, Micro-credit operation mode, Through field surveys, make an evaluation of the model.Finally empirical analysis of the impact that Micro-credit to increase farmers' income.The main content of the furth chapter is Identify the problems of the small Business Loans and analyzed the causes of these problemsThe main content of the fourth chapter is proposing solutions of these problems that the furth chapter have dentify.The inadequate of this article is the mastery of the material limited.The collection of field survey data is not comprehensive enough. Please experts and scholars put forward suggestions...