Rural Credit Cooperatives In Gansu Province Microfinance Path Analysis

Microfinance is a new means of poverty alleviation for the rural poor to provide credit services,’play a crucial role in helping vulnerable groups and building the harmonious society. In2002Gansu province launched formally microfinance business. In the process of promotion of more than ten years, Gansu Province Rural Credit Cooperatives adhere to the service"three agriculture", to serve the small business,to serve county economy. Dynamic adjustment of capital investment, focused State the purpose of the field of agriculture’s homes,support the "three rural",small and medium-sized enterprises, township enterprises and building new rural areas, intensify financial support for supporting agriculture, and ensure the effective supply of rural development funding needs in rural development,shouldering the task of Gansu rural financial market main force. Provincial Association in2009in accordance with the principle of "once credit,the control of balance, divide second use, when used with refinancing".The comprehensive innovation of peasant household microfinance operations. A few farmers think several aspects should be improved, loan object, loan usage, loan amount, loan term and loan program and loan procedures have been adjusted. In recent years, the issuance of microfinance scale expands unceasingly,how to realize the sustainable development of microfinance is a big problem of the rural credit cooperatives.This article through researching the the whole situation of Gansu province rural credit cooperatives microfinance operation, comprehend the various business development of credit cooperatives. Finally focused on the rural credit cooperatives microfinance business. This article represented by YongJing country analysis of the operation situation of Gansu rural credit cooperatives farmers microfinance. First of all, this article start of the development of microfinance in China and the status of the development, microfinance in China has entered the later period of development,the operation of the small rural credit cooperatives microfinance business become more mature. At the same time microfinance of rural credit cooperatives improved this sides,the management system of rural credit cooperatives, property right system, business practices, business innovation, risk control, audit, audit, etc. Agricultural loans of normalized year by year, has made more efforts to support agriculture.And then to the province within the scope of the development of microfinance to conduct a comprehensive elaboration, and combined with relevant cases,trying to county rural credit cooperatives microfinance development as the breakthrough point. Through field survey, typical rural area farmers to fill in the questionnaire feedback information on the development of microfinance,through the results of the survey analysis the promotion effection of Gansu province rural credit cooperatives microfinance business. Acquaint the problems existing in the promotion process and difficulties in detail, to further explore the problem and reason,and put forward suggestions to deal with problem,promote the sustainable development of rural credit cooperatives microfinance business,improve the rural finance, support rural economy better and faster development in the province.