Research On The Development Of Microfinanceof Ruraicredit Cooperatives Guizhou

With the global process of modernization, and the momentum of the rapid development of the domestic economy, the rural economy has become one of the focus countries and farmers in recent years. The current national advocate of the development of rural economy reform, improve the rural economic width requirements, improve the living conditions of farmers. In this process, the rural credit cooperatives is through loans for farmers in the form of peasant economy, expanding the source and capital investment channels, an inevitable trend of the development of the microfinance. Rural credit cooperatives through to give small loans to help farmers continue to get rid of the inherent "poor" image, and continuously enhance the farmers’ social and economic status. This innovative economic system to help farmers solve has been the general financial institutions failed to solve the problem of providing effective credit loan service. Rural credit cooperatives is conducive not only to promote the development of rural area economy opening of micro credit to farmers, and effectively improve the income of farmers and the development, the rural financial system tends to be perfect. However, due to the existence of various problems, the degree of difficulty and problem of increasing peasant household microfinance services, peasant household microfinance services make credit provided by a certain obstacles.In this paper, by using literature data and the SWOT analysis method, the micro credit in rural credit cooperatives in Guizhou of Tongren city as the research object, starting from the theory angle, according to the Guizhou Tongren area farmers in rural credit cooperatives microfinance status and existing problems of the comprehensive analysis and research of. Microfinance is Chinese microfinance development to a certain stage after, with the general characteristics of the micro credit, but also has its own characteristics. Theory of microfinance world system theory and welfare theory points, the former emphasizes sustainable institutions, the latter emphasizes poverty reduction goals and objectives. Mode of operation China microfinance should be both two theories for the poor, providing loans and guarantee the high repayment rate, at the same time, also want to guarantee institutions to sustainable development. The existence of Guizhou farmers in Tongren city rural credit cooperatives microfinance problems, and carried on the deep causes the deep reasons of these problems, and puts forward the corresponding countermeasures.Microfinance in Chinese practice time is not long, its development also needs a long-term research and practice. Hope this research can provide certain reference value to solve the problem of rural poverty and improve the rural financial system.