Farmers Microcredit Business Performance Evaluation

In order to meet the development of new rural construction, the Chinese government for rural financial foundation is weak, the financial markets are not perfect, the introduction of a variety of interest of benefiting the agriculture microfinance credit policy as the main business of rural credit cooperatives case Micro finance rare opportunity. In1999, the People’s Bank of China, the introduction of rural credit cooperatives farmers to micro-credit loans management guidance ", the views of rural credit cooperatives, micro-credit loans interest rates go up interval, to fall interval, the loan amount and term of the loan specific provisions:In December2001, the People’s Bank of China issued a "notice of construction of the implementation of rural small credit loans and guaranteed loans of rural credit cooperatives credit village", Since then, the levels of people’s banks and rural credit cooperatives and actively carry out the construction of credit village,vigorously promote micro-credit loans to farmers, Microfinance as a rural economic development bottleneck by the media attention, the operating performance of rural credit cooperatives, Microfinance, get the attention of the community and various stakeholders. This paper intends to adopt the basic situation of the Credit Cooperative, farmers loans, loan classification, capital adequacy ratio, return on assets, interest recoveries and capital risk ratio, Fujian Province from2006to2009, rural credit cooperatives operating data analysis, recommendations for Fujian Rural credit Cooperatives microfinance operational efficiency.Firstly, Fujian Province Rural Credit Cooperative operating conditions SWOT analysis, provide a theoretical basis for the promotion and development of rural credit cooperatives in rural micro finance. Secondly, the introduction of the2011Fujian Province, rural credit cooperatives and other banking institutions operating contrast conditions, to identify where the gaps. Finally, based on the empirical data of the2006-2009City of Fujian Rural Credit Cooperatives descriptive analysis found that the existing problems, and eventually proposed to increase the farmers of rural credit cooperatives and micro-credit business performance of the proposed countermeasures, such as the establishment of risk prevention system, internal control system, the micro-credit system improvement measures, with a view to improve the operating performance of the microfinance.