Empirical Analysis On Implementation Effect Of The Interest-Subsidized Microfinance

The problems in carrying out traditional interest-subsidized microfinance lie in the difficulty to aim at the target customers. This article is aimed at this problem, taking Sihong Jiangsu province as an example, analysising the achievements of this kind of microfinance from the demand empirically. Based on the analysis of the questionnaires, we know that firstly, the interest subsidized microfinance automatic ly aimed at agricultural production activities with considering the poor farmers, but it tends to be in favour of the grow add specialists who have better production activity, higher income. Secondly, there doesn’t lack effective demand of the interest-subsidized microfinance among the poor households. However, the main beneficiaries of this project is the middle-income farmers or above, not the poverties. Lastly, from the farmers’perspective, whether it will get interest subsidized microfinance depends more on their own capital and effects on the opportunities of agricultural production project investment.