The Operating Mechanism And Analysis On Women’s Satisfaction Of Rural Women Microfinance Program In Gansu Province

The problem of the poverty in rural population has been slowed the pace of economic and social developments in Gansu province. As a province with a relatively backward development level in China, Gansu province launched a series of corresponding credit policy to support poor peasant households for developing production in order to promote the rural economic and social development in the key period of entering a well-off society. Including rural women microfinance program, which is a policy of entrepreneurial support programs for rural women.The view of this paper is based on welfarism microfinance, through the field research to rural women microfinance program in WW city, PL city and DX city, Gansu province. Based on the interviews and questionnaire survey, qualitative research and quantitative research method, we evaluate the satisfaction of the loan project. And we also analysis the problems of loan project and its reason. According to the results of the empirical analysis, the women took part in loan project has higher satisfaction on loan project. The women’ overall satisfaction are greatly influenced by women’s capacity building and lending efficiency. Policy design had no significant effect on women’s overall satisfaction. The satisfaction of loan amount, secured form and term of repaying loan are at a low level between loan women. Through synthetic analysis to rural women microfinance program, we found its mainly reflects is mainly manifested in three aspects. Firstly,Rural women got improved self-development ability. Secondly, the program has driving the development of the local economy. Thirdly, the program reduced poverty degree to rural women,made important contributions to poverty alleviation and development in rural areas in Gansu province.In order to further improve the benefits of loan project, and play its role effectively of financial poverty alleviation,this paper analysis that policy improvement should been taken from four aspects to improve the service quality.(1) Give full play to the leading role of government and build a private capital access mechanism,(2)Improve fiscal interest discount policy establish the plural information sharing platform,(3)Improve loan project risk control mechanism to reduce loan risks,(4)Development of local characteristic industry, form industrialization developmentmode.