The Study On Micro-credit Operation Mode Of RCCU

Microfinance in rural credit cooperatives unions in recent years has achieved steadydevelopment, but huge gap of the capital requirements of "three agriculture" is still thefocus of national attention. Along with the land scale, mechanization operation, risingdemand is becoming the development trend, the problem of "microfinance loans isdifficult, difficult to loan " is emerging continuously, making the existing of microfinanceoperation mode innovation become imperative. the CPC Central Committee are referredto the "three rural" funding issues to the future development of rural financial institutionsspecified in the direction.Although microfinance originated in abroad and has many practical experience,as aresult of the main operation of microfinance of rural credit cooperatives unions inChina in the special organizational structure and the particularity of market positioning,making microfinance in China show a different running effect. the current imperfectand gradually apparent lag of microfinance operation mode of RCCU is becomingapparent. In order to make the microfinance in RCCU put forward, its operation modeinnovation is imperative. The whole process of it involves the agricultural subsidypolicy,guarantee, financial services,regulatory agencies,and other content.This article bases on abroad microfinance development models and theories,combines analysis of Shaanxi Province of the "three rural " economic and agriculturalpolicies and RCCU microfinance specific operational practices,including mode ofoperation of the existing micro-credit analysis,as well as the existing model, such as theexistence of the problem,then change the few agricultural subsidies paid directly to thehome practice, building a new model of "the special agricultural subsidiesfunds+microfinance".eventually, exposing the relevant countermeasures and suggestions to the issues raised in article. The new model will be useful to agricultural paymentstogether two important microfinance occur when used: first to provide guarantees for theproportion of agricultural loans, lack of guarantees provided by the borrower to the partof rural credit cooperatives; followed to obtain agricultural loans farmers funds toprovide a non-financial services, including prenatal training, technical guidance andproduction in postpartum issues such as product sales. Although production inagriculture-related funds in the prenatal postnatal giving aid, but purely from theperspective of helping the non-financial services, the farmer can not simply rely entirelyon agriculture-related funds play a role in this regard, it should follow "farmers find theirway out, a government helping supplement" the basic idea.