The Research On The Influence Factors And Development Strategies Of Rural Micro-Finance In Sichuan Province

The development of agriculture,economy of countryside,and the increase of farmer’s income have always been the top priorities to our country’s economic work. Rural micro-finance plays an important role in improving the rural financial system,developing agriculture and rural economy and helping farmers out of poverty.Sichuan province is a major agricultural province in China.As the first batch of micro-finance pilot,it is of great necessity to study the development of the rural micro-finance in Sichuan.In the paper,I use the asymmetric information theory,transaction cost theory,credit rationing theory and the text research method,questionnaire survey method and normative analysis method.The paper mainly studied the problems and the main factors influencing the development of the rural micro-finance as well as effect mechanism and development strategies.The first chapter expounds the background and significance of research on influence factors and development strategies of rural micro-finance,and the content structure;research methods;innovation and deficiency of this paper.The second chapter studies basic theory problems including the connotation, characteristic, goal and function.Based on the concept of rural micro-finance at home and abroad there was no uniform definition,raise that rural micro-finance takes the rural low-income groups as a specific object and grants credit loans on the credibility of farmers for security.lt has the following characteristics:small amount;short term; loans mainly used for the agricultural production;various guarantee forms and flexible repayment installment.Rural micro-finance takes it as the goal to realize its sustainable development and serve more farmers. The third chapter studies the current situation of the development of rural micro-finance of Sichuan province.Based on the analysis of the environment of Sichuan province on rural micro-finance development,studied the supply and demand entities as well as the credit supply and demand situation about rural micro-finance of the four counties of Sichuan province through the questionnaire. As a result,there are problems including the asymmetry of credit supply and demand;the structure of the credit supply and demand not docking (the main structure, product structure, line structure, maturity structure and the structure of interest rates); disproportionate guarantee of credit supply and demand against risk of the rural micro-finance in Sichuan province.The fourth chapter studied the main influence factors and influence mechanism on the development of rural micro-finance in Sichuan province.The main influence factors on the development of rural micro-finance mainly includes the management of credit institutions;money supply;interest rate;safeguard mechanism;the main body of supplies;farmer’s own characteristics;the relevant laws and regulations;social credit environment;rural economic development level etc.The fifth chapter puts forward the development strategy of rural micro-finance in Sichuan province.The paper respectively puts forward the corresponding strategies,from the aspect of government level, credit institutions and farmers level.The government needs to perfect relevant laws and regulations;improve the interest rate policy; expand the rural micro-finance funding channels; improve the rural small credit guarantee mechanism; strengthening the agricultural production technical guidance;strengthen the construction of rural credit system and promote rural economic development.Credit institutions should strengthen rural micro-finance innovation;establishing rural micro-finance risk management mechanism and perfect the system of farmer’s credit rating.The farmers should take the initiative to grasp the knowledge of rural micro-finance,strengthen the consciousness of honesty and promote the production capacity.