Study Of Rural Commercial Bank Microfinance Of Heilongjiang Province

Present all walks of life are inseparable from the financial support, as the economy continues to develop, the growing importance of rural finance significantly, microfinance is an important part of the rural financial market is the innovation of rural financial products to solve difficulty farmer credit played an important role, it is an effective means to promote "rural areas, farmers, agricultural" development. Heilongjiang Province is an important grain production bases, is an important battleground "three rural" development, and rural commercial banks is to promote the "three rural" development of the main force, are the basis for the development of microfinance. Development of rural commercial bank microfinance Heilongjiang Province has made some achievements, but there are some problems existing in the development, according to the status of the development of rural commercial banks in Heilongjiang Province, we find that microfinance and solve problems, and strive to improve microfinance competition in Heilongjiang Province underdeveloped situation.In this paper, rural microfinance basic theory, basic theory and main characteristics of microfinance microfinance study, a comprehensive analysis of the status quo at this stage microfinance Heilongjiang Province, in-depth research found that rural Heilongjiang Province development Dilemma commercial bank microfinance. In this paper, the feasibility of the recommendations from the construction of the macro policy environment and rural commercial banks mechanisms. State legal system to give full protection. Given in terms of policy and financial support, practical guide to play the role of government organizations and microfinance, to ensure the healthy development of microfinance in Heilongjiang Province.