Study On The Problem Of Rural Micro Credit In Jianhu County

Nineteen seventies metaphase, Asian Bangladeshi microfinance institutions and new method. Learn from Bangladesh, China Academy of Social Sciences researcher Nongfasuo in 1993 according to the situation of our country established the rural microfinance model, and conducted experiments in Henan, Hebei, Shaanxi. At present, China’s rural micro credit has obtained great progress, has important practical significance to support the "three rural".China’s Rural Micro loans since the implementation, has been developing for 20 years, in the promotion process, in order to meet the needs of rural economic development, rural microfinance has undergone many changes, in the continuous changes of the rural microfinance is more and more attached to the development of China’s rural areas, to promote our country rural development has also played a role more and promote more important. But in the implementation process there are still some problems, there is no coordination between it and the development of the rural economy. Rural economic development needs of rural microfinance to keep pace with the times, constantly change your way of payment, amount, time and conditions for granting the adjustment of rural microfinance, which can meet the more demand of farmers, in support of the "three rural" development, to play a greater role.Research in the evaluation of rural microfinance implementation effect, farmers satisfaction of rural microfinance is undoubtedly necessary and effective breakthrough point. Rural microfinance satisfaction as means play help due to the farmers to get rich, but if the satisfaction is low, then the Rural Micro Credit does not meet the needs of farmers. Rural micro credit service to farmers is the development goal, only to enable farmers to get satisfaction, rural microfinance can play its role in promoting the income of the peasants. While the literature review found that, the present research is extremely effective, therefore, this study expects to provide Jianhu County of Jiangsu province was investigated by farmers on the one of 100 strong counties of countrywide microfinance of empirical data and theory in this area.Jianhu County agricultural economy developed, various forms of agriculture, rural microfinance dependence degree is high, the rural microfinance in the county has a wide range of payment issued, in various forms, the larger amount etc.. In this study, through the investigation and interview on Jianhu County 182 households, farmers satisfaction of rural microfinance is not high, one of the most unsatisfactory aspects in the rural micro credit amount and time limit. At the same time, this study also factors influencing peasants to microfinance satisfaction are analyzed, the results show that farmers are engaged in the industry type, operating efficiency, lending to rural microfinance satisfaction has a great influence.The author also found that farmers’ satisfaction and bank loans benefit exist certain contradiction, rural microfinance as a supporting agriculture policy loans and other loans not only emphasize the benefits of problem loans, consideration should also be given to the rural microfinance services to the "three rural" role, to improve farmers’ satisfaction of rural microfinance loan. While the rural microfinance to long term, can not be one-sided emphasis on Farmers’ satisfaction, must take into account the actual interest bank loans, or just kill behavior, for Rural Micro loans, to further development has is to deal with the contradiction between the rural microcredit farmers satisfaction and the interests of the bank, and state and government as the middle side of the small rural loans must also be better play its role in the promotion, the development of microfinance in rural areas must correctly handle the relationship between the government, banks and farmers. Therefore, this study from the state and government, banks and farmer level three aspects analyzes the problems, and tries to propose some methods to solve.