Analysis Of Credit Risk Factors Of Rural Microfinance

Jiangxi is an important agricultural province in the central region.Agriculture plays an important role in economic development.Therefore,the development of "three rural" is of great significance to the economic and social progress of Jiangxi Province.However,the problem of "agriculture,rural areas and farmers" Weak links.Jiangxi Province,thirteen five development plan outlined in the economic and social development to "scientific rise,green development,carry out catching up","three rural" problem solving Jiangxi new rural construction and building a moderately prosperous society is of great significance.The basic purpose of the development of rural agricultural economy is to promote the income of rural residents,the current "three rural" problem is reflected in the prominent contradictions in rural financial needs and supply,which is a great obstacle to rural economic construction,especially agricultural production,Trade,circulation and other funds caused by the shortage of productive forces.The healthy and orderly development of the rural economy can not be separated from financial support and the need to innovate the financial system to serve all aspects of the agricultural economy.Rural microfinance is an important financial support policy to serve agriculture and develop agriculture.In this paper,the present situation,problems and causes of rural microfinance development in Ganzhou city of Jiangxi province are analyzed qualitatively and quantitatively,and then the effective management of rural economy for reference.First of all,this article analyzes the background of the topic,the research problem and the related theory of rural microfinance,and lays the practical and theoretical background of this paper.Secondly,this paper analyzes the current situation of rural microfinance demand and supply contradiction and operation mode in Ganzhou city of Jiangxi province,analyzes the current shortage of rural microfinance supply,the outflow of rural capital and the lag of agricultural insurance,Ganzhou City,the development of rural economy,financial institutions,the status of capital allocation that its micro-credit development by the natural characteristics of the rural economy,the current rural financial system and rural financial environment and other constraints.In addition,combined with the situation of rural microfinance in Ganzhou city of Jiangxi province,the risk factors of business development are analyzed synthetically,and the empirical model of risk factors is verified by binary logit model.Finally,according to the analysis of the rural microfinance and risk factors in Ganzhou City,Jiangxi Province,this paper puts forward some suggestions on how to innovate the rural financial support form,improve the rural financial system,perfect the wind control mechanism and insurance system,innovate and develop the financial guarantee system,So as to provide a policy basis for strengthening the rural financial support and promoting the development of agricultural economy in Ganzhou City,Jiangxi Province.