Research Of The Influence Of The Rural Small-amount Credit On The Farmers’Income In Qiqihar

Since The Central Government promulgated the No.1Document entitled "Opinions on Policies about the advancement of farmers’increasing income in2004, The No.1files were focused on the theme of Agriculture for10consecutive years. Agriculture issue has become one of the core problems of our country, Increasing farmers’income, promoting farmers’ production is the key to solve the issue. Moreover, the country and the government attach great importance to solve the issues by means of financial ways.Funds is the most important engine of economic development, The lack of funds has become the bottleneck, that constraints rural economic development and farmers’ income. Rural economic development is inseparable from the support of funds. As a kind of financial institution and technical arrangement, Small-amount credit is considered to be an important tool to promote rural economic development and to improve farmers’ income. This conclusion has been tested in many foreign countries. Small-amount credit rose in the early1980s in our country, During the developing20years, it was quickly extended to the most impoverished areas of the country, and had been widely approved. Since rural small-amount credit business developed in Qiqihar, Heilongjiang Province, Its scale of assignment and coverage showed to expand. To some extent, it met the financial needs of the farmers on part of the city. But there were many problems at the same time."Farmers’ Loan Problem", especially in low-income households still existed. As a big agricultural city and important commissariat base in Heilongjiang. Its rural financial service system played a role in support of agricultural development, support for the rural economy and improvement of farmers’ income. However, with the rapid social economic development, Agricultural development needed transformation and upgrading. Factors that affect farmers’ income, how to establish blameless rural financial system need further study, in order to strive for good effect on promoting rural economic development and increase the income of farmers.The paper mainly researched on the problem that rural small-amount credit influenced farmers’income in Qiqihar based on the previous studies at home and abroad. The article was divided into five parts:First, It described the writing background, purpose and meaning, Pointed out that the current problems of farmers’ income is the most important at the present stage of development of the rural economy, and summarized the current research domestic and abroad. After that, elaborated the concept Defined of rural small-amount credit and the influence on basic theory of the farmers’income, specifically included related theory of rural finance and rural small-amount credit. It analyzed how the rural small-amount credit influenced on the farmers’ income from two aspects, system and structure. Secondly, the article analyzed the developing situation of small-amount credit in Qiqihar from both the social environment and Competitive environment of financial sector, analyzed the current situation of farmers’income from the growing trend and structure of farmers’net income. Thirdly, it built the model according to the surveys, analyzed on the impact of rural credit cooperatives in Qiqihar on farmers’income by the empirical In the end, it made suggestions targetedly, through the empirical analysis and experience and inspiration from successful cases at home and abroad, in combination with the current situation, problems existed and analysis of the factor described in the article. In order to improve the income of farmers and promote economic development in Heilongjiang Province.