The Investigation Report Of Microcredit In Rural Credit Cooperatives Of M Town In Liaoning Province

As is commonly known, the fundamental issues of future development of China are related to agriculture, villages and farmers, which attract considerable attention from the government and are desired to be addressed by farmers. The underlying reason of these issues is the low income of farmers, which is influenced by a number of factors. One obvious cause is the low efficiency of financial services. It has been proved by practice within China and overseas that micro-credit loan is very important and suitable for villages, among all measures, due to low requirements, high interests, flexibility, convenience, and strict management.The author choose M township in liaoning province as research object, the main reason is that M township as women micro-credit experiments in liaoning province township, specific typical research significance. And as the coinsurance system and women’s small loans the implementation of both products, M improve the township economy also had the very big margin, become the leader of the province rural economic development. This article on the liaoning province township M small agricultural credit, rural credit cooperatives business system and the development and present situation of in-depth analysis, aimed at the liaoning province township M small agricultural credit, rural credit cooperatives to find a more suitable for their own development path, and hope that the current rural financial reform and services three rural policy thinking and Suggestions are put forward.This thesis is organized in five chapters. Chapter One is the introduction, including the background, motivation, investigation time and venue, methods, and a general description of M Town, Liaoning Province. Chapter Two describes the development status and external environment of micro-credit loan in M Town. Chapter Three discusses the identified problems and their reaons. Chapter Four evaluates the performance. Chapter Five proposes some advice to improve the micro-credit loan service of M Town, from law, policy, market, and service, and make its development sustainable. These suggestions are mainly about perfecting the law, increasing the support from policy, setting reasonable interests,encouraging the ecological construction of the rural credit, etc.