Study On The Problem And Countermeasures Of Farmers' Small Loans In Changxing County Postal Savings Bank

For a long time,"three rural" problem is still one of the key issues to be solved in china.In recent years,with the deepening of the adjustment of industrial structure,the proportion of three industries in the national economy continues to change,although urbanization continues to accelerate,engaged in agricultural production activities related to rural residents still account for a large proportion of rural residents income is generally low income level,lack of production in the face of life the problems in the process of agricultural capital is,in the inclusive financial environment,through small loans to farmers and other financial means to promote farmers' income,which is beneficial to the society to eliminate poverty,achieve social fairness.Chinese postal savings bank service "three rural",provide small business loans for the majority of farmers,improve the rural microfinance and put the total coverage,but the development process inevitably appeared a series of problems.In this paper,through the investigation of Changxing County postal savings bank,the relevant data statistics in recent years,small loans,loans to farmers questionnaires and other ways to understand the current situation of small loans,using descriptive analysis,correlation analysis and other methods,from the farmers demand analyses the existence of the postal savings bank of Changxing County rural microfinance products issued as loans,supply and demand does not correspond to farmers looking for guarantees and loan interest rates high,difficult period is not flexible,does not meet the farmers' income cycle,rural microfinance limited use and other issues,and put forward the introduction of more types of loans for farmers,increase farmers small loans for low income households,the promotion of implementation of different interest rates on how to improve the rural microfinance,Effective suggestions to improve the loan conditions and repayment conditions,which not only help to promote the sustainable development of small loan business of farmers,but also help farmers to increase income and build a well-off society in an all-round way.