Study Of Rural Credit Cooperative Inclusive Finance Pattern

"Inclusive Finance" policy has a significant meaning and has been over 10 years after been proposed.As a financial policy that benefits "agriculture,country and farmer",it has shown a preliminary effect.The "Inclusive Finance" policy developing patterns,achievements,and existing problems have a high research value.This paper starts from DQ Rural Credit Cooperative(hereinafter referred to as DQ RCC)in Guangdong as a micro thought of view to analyze and discuss the development of "Inclusive Finance" policy,and is trying to make some practical suggestions for the policy.This paper analyzes and summarizes the "Inclusive Finance" policy developing patterns of DQ RCC,including the service three rural as the main business pattern,discount interest and tax pattern,forest right mortgage pattern,right to the contracted management o f rural land mortgage pattern,certain lenders pattern,financial infrastructure laying pattern,specific product loan pattern and support in the needy pattern,facilitation pattern,"night bank" pattern,performance measurement pattern.And it analyzes the existing problems of DQ RCC,including lack of security mechanism,not in a timely manner job summary,feedback problem,and slightly formal.Furthermore,the paper analyzes the existing problems on the national level,including the construction of rural financial service system,the scale of the guarantee fund limiting the development of microfinance,regulatory policy not reflecting current differentiation,small micro enterprise financing difficulties still outstanding,the different goals between government and the rural credit cooperatives affecting the enthusiasm.To solve these problems,this paper proposes several suggestions,including to speed up the construction of rural financial service system,to set up the margin system,to accelerate the construction of personal credit,to perfect the guarantee and risk compensation mechanism,to establish,introduce the mechanism and system,to carry on preferential fiscal and financial service propaganda work,to solve the problem of the sustainable development of rural credit cooperatives and Guide social forces operate agricultural insurance and agricultural non-bank financial institutions.The main contributions of this paper contain summarizing "Inclusive Finance" policy developing patterns,problems from the micro perspective of rural credit cooperatives,and to bring forward some proposals.O n the basis of microscopic practice,the paper tries to make some beneficial suggestions to "Inclusive Finance" policy to our country.