| In recent years, the "three rural" issue constantly under strong support of government has become the top priority of China’s economic development. From2004to2014, China’s central file has concerned consecutively China’s "three rural" issue for11years, the aim is to increase the income of farmers continuously, and narrow the residents’income gap between urban and rural. In order to solve the problem of rural economic development, we must face the problem how funds are used firstly, so improving the rural microfinance services is an important means to rural financial development in China. Despite many rural financial institutions has extended farmers microfinance business, due to the problems of the high cost of microfinance, the big credit risk and the lack of mechanisms etc., farmers borrowing difficultly still has not been resolved fundamentally. Rural Commercial Bank-the new financial organizations after the reform of rural credit cooperatives, which is an important mainstay of in the market development of China’s rural finance, still exist some problem in the management and operation of microfinance. In order to make farmers microfinance services play an important role in the development of the agricultural economy, it needs to improve and innovate constantly. Therefore, we believe that China’s rural commercial banks to farmers microfinance services model for further studies on the sustainable development of China’s farmers microfinance services is of great significance.This paper is divided into six chapters, the main contents are as follows:Chapter1:Introduction, describes the background, purpose and significance, research methods, innovation and technology roadmap and shortcomings of this paper.Chapter2:Divided into two parts. First is making a sort of the literature of farmer microfinance, and summarize the microfinance study from foreign and domestic scholars in several aspects, which also leads to the subject we want to study in this paper. Second is defining the concepts of Farmers, Farmers Microfinance that we studied in this paper, and introducing the Rural Micro finance two mainstream mode of operation:the difference and point of Welfarism and Institutionalism, point out our farmers microfinance services model should be the common goal to achieve two purposes, is to provide low-income levels of the population of households sustainability of microfinance services.Chapter3:Development of rural commercial bank microfinance services to farmers SWOT analysis is divided into two parts:First, the status quo of China’s rural commercial banks and rural commercial banks in the development process of the development of microfinance services farmers were some analysis, the use of SWOT analysis in the development of agricultural firms farmer microfinance services internal conditions and external environment are discussed to provide a basis for innovative research study presented in the next chapter.Chapter4:Rural commercial banks Rural Microfinance service model innovation case studies-Chengdu Rural Commercial Bank, for example:first by the Chengdu region of smaller-scale surveys, analysis of household demand characteristics of microfinance and combined analysis of the current Chengdu Rural Commercial farmers to carry out the process of microfinance services model problems in the development of Chengdu Rural Commercial farmers microfinance services, for example, to further raise the overall progress of agricultural firms farmer innovation in microfinance services may encounter to difficulties.Chapter5:A summary of the successful experience of foreign countries, foreign farmers Microfinance two typical pattern-the Grameen Bank model to carry out with the Indonesian farmers microfinance services BRI mode to analyze, summarize the successful experience obtained on the basis of both the development of Chinese farmers microfinance services more important revelation four points:First, determine a reasonable lending rates based on the actual situation, the second is to improve the management of information systems, the three specialized personnel with specialized agencies, four are strengthen the training of farmers loans.Chapter6:rural commercial banks farmer microfinance service model relevant policy recommendations and suggestions agricultural firms in innovation ideas. Policy recommendations, the paper puts forward three personal opinion:a farmer to improve the efficiency of microfinance services, two established farmers diversify microfinance services platform, perfect three for rural financial ecological environment; innovation during the service mode, proposed an innovative farmer microfinance products, the establishment of "micro-credit+insurance" farmers microfinance services model and group guarantee secured by way of an alternative three innovative ideas.Compared with other papers, Innovation of this paper is mostly farmers microcredit financial institutions, credit cooperatives in this study as an object, fewer farmers in the rural commercial bank microfinance services development, research articles by way of practical understanding of the farmers on credit real needs, and agricultural development of microfinance services firm conducted a SWOT analysis, a comprehensive analysis of the prospects for the development of microfinance agricultural firms make relevant policy recommendations. There are some shortcomings in this paper; inadequate material and relative data hard to collect made some experimental analysis supported weakly. In addition, author knowledge coverage, limited research ability should cause some mistakes here and there. The author welcomes your indication and teaching. |
PDF Full Text Request