Study On Rural Microfinance In HeiLongJiang Province

With the rapid development of our economy and the continuous improvement of financial system,financial support for the development of all walks of life,and with China’s rural economy and the rapid development of rural urbanization process accelerated,rural finance is particularly important,rural microfinance gradually grow,become an important force in promoting China’s rural economic development in Heilongjiang.The province is the main battlefield of China’s "three rural issues",the rural microfinance development is related to the province,the "three rural" issues.Rural financial institutions as rural microfinance started,is the main force to promote the development of "three agriculture".The microfinance of rural financial institutions in Heilongjiang province has made some results,but there are still many problems,according to the current situation of Heilongjiang province rural microfinance,existing problems and causes,and strive to improve the rural microfinance in Heilongjiang Province Status quo of credit developmentThe use of literature analysis,survey research analysis and normative analysis,micro credit in rural areas of Heilongjiang province were carefully studied.Starting from the basic theory of rural micro credit,micro credit and rural microfinance and related concepts,the theory of agricultural credit subsidies,the rural financial market theory and imperfect competition market theory etc.support of the supply and demand of development of rural microfinance in Heilongjiang Province,comparative analysis of supply and demand.Rural Microfinance in Heilongjiang province has exposed a serious shortage of funds,credit management is not perfect and can not meet the main problems of microfinance farmers multi-level needs,including laws and regulations are not perfect,excessive government intervention and supervision in Indonesia,Bangladesh.Analysis,Liaoning province and Zhejiang province and the rural microfinance development into The work experience,strengthen policy support,improve the supervision mechanism and the establishment of inspiration incentive mechanism.Aiming at the existing problems and causes,from domestic and foreign experience,put forward to increase rural financial institutions,sources of funds,improve the credit management of financial institutions in rural areas,farmers meet multi-level microfinance needs,improve rural financial institutions micro credit risk prevention awareness and create a good environment of macro policy suggestions to improve the rural microfinance in Heilongjiang province.