| Farmers micro-credit loans as a model for rural areas to meet the credit needs of finance, from which it is produced in developing countries have had the desired impact. The micro-credit loans off Fujian Province to start late, and the Fujian Rural Credit Cooperatives micro-credit loans as the primary means of Fujian rural finance plays an important role.Small farmers in rural credit is no point to asset-backed small farmers directly limit credit activities of loan funds and integrated technology services, which means small loans for major credit in recent years, the gradual nature of the transition from poverty to commercial properties. Fujian Rural Credit Cooperatives farmer microcredit loans is also growing. But in the demand for sustainable development, there are some problems: high household demand for micro-credit loans and contradictions meet low; the role of government micro-credit loans in rural credit cooperatives of farmers in sustainable development is not obvious; small farmers lack of sustainable development of credit; household micro-credit loans repayment rate, the rate of increase in overdue. Fujian farmers implement agricultural micro-credit loans to the root causes of problems in the process:regulation in place, the lack of systematic improvement of rural micro-credit guarantee mechanism; unsuitable policies, lack of rural microfinance dynamic mechanism for sustainable development; RCCs and recognize bias exists among farmers, leading to the operational level of difficulty increases. Analyze and summarize the countermeasures of Fujian Rural Credit Cooperative farmers micro-credit loans to sustainable development on the basis of:improving the regulatory environment, and promote the healthy development of microfinance; improve operational mechanisms to promote the effective implementation of rural microfinance; accelerate agricultural letter social pace of reform on rural credit cooperatives to enhance the level of service. |
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