Reasearch On Peasant Household Microfinance In Baoshang Bank Chifeng Branch

Now days, micro-Loan, which becomes a critical researching topic on international financial area, has been recognized by more and more countries and financial institutes. Both foreign and domestic financial institutes processed many research on its development.At present, providing of financial services to farmers is one of the serious shortage in China. The capital outflowing and farmers loaning are two important problem. The decision of the CPC Central Committee on Several Major Issues of Promoting the Reform and Development pointed out that the government would support the rural financial system.Leaders of Baoshang bank Chifeng branch consider that national policy and regulatory advice, a large proportion of the rural economy regions adhere to "three agricultures" service, realization of farmers’total lending, coverage continues to improve, streamline household micro loan approval procedures, determine how the flexible repayment, small loans to farmers’preferential interest rates. About some remote villages and towns, we should take mobile service and door-to-door service to improve service levels. In General, the farmers’loan business develop very well in Baoshang bank Chifeng branch, it has played a great role in stimulation of the local rural economy. Although the means and services improve the quality of the service, contractor chifeng branch household micro lending bank has encountered certain difficulties in the process. In the current situation, resolving household micro credit Baoshang bank business difficulties, find a household micro credit business further development is imminent.According to Baoshang bank Chifeng branch household micro credit business development. This article analysis and summarize the Chinese farmers in financial, the contractor has the typical characteristics of the household Finance Branch of the Bank of Chifeng household micro credit business for analysis and planning. Focus on the analysis of current situation of domestic and foreign financing of farmer, has pointed out that farmers in Baoshang bank Chifeng branch financing problems may exist when, seeking the household micro credit business in commercial banks and countermeasures for further development, address farmers "loans" of the Chifeng region. All in all, it is not only the social responsibility but also the need to future development for Baoshang bank Chifeng branch to carry out the micro-credit of farmers. If only the bank scientifically designs its products, choose its target customers, determines the developing pattern in line with conditions, strengthens the management and strictly controls risks, it can achieve a profitable return.