The Study Of The Issue Of Chinese Rural Microcredit

Solve the problem of microfinance in rural areas can help low-income rural residents to improve living standards,and realize the goal of building a well-off society in an all-round way.Agriculture is the first industry of China,the stability of the countryside in China is the most important.Since China's reform and opening up,China's rural economy has great changes after nearly 40 years of efforts.The farmers' income levels continue to rise,their material life and spiritual life level have improved.At the same time,the rural financial development has entered the "bottleneck" period,low-income rural population is facing "loans difficult" issue,the rural financial institutions have appeared in the "hard loan" phenomenon.The current financial system in our country is still not perfect.Rural financial services is not enough,rural capital outflow is serious.Facing so many rural financial problems,to build a new socialist countryside,it is required to further open the rural financial market,adjusted the access policy of the rural financial institutions.At the same time encourage financial product innovation to meet the demand of rural residents diversity of financial services.Rural microfinance as a kind of been proved effective means of poverty reduction and meet the demand of rural loans,has received the widespread attention in recent years.The first part is the introduction of this article.Pointed out that Chinese rural microfinance problem basis and research significance of this topic,the research situation of the field,research ideas and methods of this paper and the frame structure and innovation of this article.The second part: the overview of related issues on rural microfinance,this paper introduces the related concepts of Chinese rural microfinance,Chinese rural microfinance development significance and the theoretical basis of Chinese rural microfinance.The third part: the four main development course of the rural small credit loans in China,the current development status quo and main problems of current Chinese rural microfinance.The fourth part: puts forward some countermeasures to the development of Chinese rural microfinance.This article through the research of the development and present situation of Chinese rural microfinance,pointing out the significance of China's rural microfinance development,analyzing the facing problems in current Chinese rural microfinance,and found the countermeasures of development of Chinese rural microfinance.Through the corresponding law guarantee,the guarantee of the risk compensation,a sound credit system and encourage the diversified development,microfinance is very effective for the development of Chinese rural microfinance.