Investigation And Countermeasures Of The Status Of Micro-credit Loans To Farmers In TieLing

This paper takes rural credit cooperatives micro-credit loans development in Tieling, Liaoning Province as main research subject, based on consult widely related literature and rural financial experts, sum up my own work experience, and draw on the domestic and foreign rural credit cooperatives development experience and research achievement, combined with actual circumstance of Tieling, And it identifies and solves the specific problems of micro agricultural credit existing in the operation of rural credit cooperatives in the city of Tieling, explores a healthy and sustainable development road which benefits the micro agriculture credit to farmers, and provides the inexhaustible motive force for the development of "Three Rural" by combining with the actual situation in Tieling.This paper started with from the connotation and characteristics of micro-credit loans and The domestic and foreign practices, combined with demand for the micro-credit loans of the agricultural development in Tieling, and through vigorously promote the micro-credit loans, not only fundamentally solve the problem of farmers having difficulty taking out loans in Tieling, but also formed mutual trust circumstance between farmers and rural credit cooperatives, and the rural social credit environment situation also improved obviously. But Due to the limitation of different factors,for example the rural economic environment, conditions and management ability, there are many problems during the operation of micro-credit loansThrough this analysis, an effective solution to the existing problems of micro-credit to farmers comprises:firstly to provide policy support to enhance the strength of rural credit cooperatives in supporting the farmers; secondly to strengthen the attention and support from the rural party and government organizations at all levels to the rural credit cooperatives; thirdly to master the "Four Degrees", conduct the "Four Combinations", and strict the "Four Gates" during the credit rating of farmers that rural credit cooperatives conduct and the micro-credit distribution management process; Lastly to set up the risk prevention mechanism of the micro-credit loans to farmers and provide the effective support to the micro-credit loans to farmers in Tieling.