Study Of Status And Countermeasures Of Micro-finance In The Countryside Of Harbin Area

“Agriculture, Countryside and Farmer” issues have been the hot topics. Rural Micro Credit isa brand-new innovation services and powerful supplement for rural area finance with povertyalleviation nature. At the key moment of carrying out for modern comprehensive matching reformprogram,“Rather short of money in rural area, loan is difficult to get” is common phenomenon,which seriously restricted rural economic system reform and increasing income for presents andect. It is key importance in rural work of how to know the rural finical condition well and resolvethe problems of fund demand. This paper analysis the current condition of rural micro credit andfound the problem and try to provide the suggestion in order to solve the problem.Firstly, the research background and meaning were elaborated and describe currentdevelopment statue of rural micro credit at home and aborad, which provide theory and analysisbase for the following research. Then summarize the characteristic of rural micro credit in Haerbin.The characteristics are service radius is big such as staff shortage. Fund demand is increasingannually，bad loans shows bed trend, credit agent age structure was reasonable but populationaging is getting old, competitive power of rural micro loans was lower compared with state-ownedtrading company. At the same time, regional economic development was stimulated and realizeditself development. Presents income changes and rural micro credit from2007to2013werechosen as variables through ADF root verification and examination and their relationship wasinvestigated. ECM model was built with data verification by error correction and cause-and-effectrelationship. The results showed that balance for rural micro credit and presents income level wereon the rise. Relative increasing variables links tightly, promote steadily and keep synchronousincrease trend. Rural micro credit investment promote rural area income per capital greatly, whichwould be encouraged to develop.The problems of rural micro credit, such as strategy of “small boat turn around easily”wastaken by rural micro credit financial institute, development direction unclear, financial marketcomparatively no-standard, single item for rural micro credit, macroscopical control wasinsufficient, manipulate too much, rural insurance chains weeks, incomplete credit system,was illustrated.After Summarize and suggestion and comments were advised to problems of rural microcredit current development statue, government apartments was suggested to formalize the ruralmicro credit development, strength commercialization, macro-control, decrease staff interference,strength rural micro credit development and take the rural system credit reporting intoconsideration. Promote agricultural insurance cooperation and aid for anti risks in rural area.Provide the necessary financial services for presents who were of the pulation with low-come andwho are working across the regions.The basic theories about rural micro credit were generalized with Comparative analysismethod, inductive analysis method, empirical analysis method and normative analysis method afterreview a lot of documents. Suggestions and method were put forward based on the summarization and analysis of rural micro credit development condition in Haerbin, which were rational andpractical and would be of a guiding significance for rural micro credit development in Haerbin.