| Since reform and opening up,China’s economy maintained a high growth of more than30years,The Gross national product has remained in second place in the world since2010.The economic problem of urban and rural dual increasingly prominent with the rapid growth of national economy.The development of the financial system has not meet the financial needs of the farmers,Service mode, product innovation are in urgent need of ascension.In this situation,it is the best time for Agricultural bank of China to develop into "agriculture rural and farmers"and call for the national policy.Bangladesh’s Gramineae bank pioneering Microfinance business.In our country,Microfinance used to be a way of poverty alleviation financial in the early90’s, now has spread across all the country which was appeared in less developed areas in the past. As a special national policy bank Agricultural bank not only pay more attention to the development of Microfinance but also facing unprecedented challenges.At present,domestic and foreign commercial bank are conscious to the importance of Banks own development,which was intensified competition between Banks, deposit and lending market competition in an important stage both in urban and rural, other financial institutions such as rural credit cooperatives,rural credit cooperatives,microfinance companies as a threat for Agricultural bank to open Microfinance business in Heilongjiang province rural market. So it is more important for agricultural bank to develop microfinance businessThis paper expounds the origin and development of microfinance business,Starting from the actual situation of Agricultura Bank.Sorting and introduced on the basis of relevant theories,introduce the environment of the rural economic development in Heilongjiang province, In clear under the condition of rural capital requirements have been unsatisfied, fully embodies the significance of agricultural bank of Heilongjiang to open microfinance business. |
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