The Status Of Rural Microfinance Loans And Its Influence On Farmer's Income In Huanxian County, Gansu Province

Microcredit is an extension of small loans(small loans)to poor borrowers who usually lack collateral,stable jobs and verifiable credit histories.Study of the current small loans to farmers' income,can help to understand the current our country in the region of gansu province county of small loans business,extend the current small loans for farmers to increase the real value.Garment industry development in our country is relatively lags behind relatively,which leads to the "three" problem is one of the main reasons for rising,the current rural financial system can't satisfy the current development of rural economy progress,agriculture rural development funds shortage is also limiting farmers unable to grasp the current main argument advanced productivity,also is the main cause of the current microfinance development rapidly,and microfinance abroad has developed rapidly,the development of China's current played a leading role,also can help our country at present the further development of village economy has played a leading role.Papers to the present situation of rural microfinance county and the impact on the farmers' income as the research object,the methods of field survey,data analysis on the actual situation of microfinance county statistical analysis,combined with Huanxian county small loans to study the effects of the farmers' income,get the following research.1.The basic situation of microfinance,county rural microfinance credit increased year by year,microfinance is being cover rate is rising steadily,to farmers rating standards are also gradually improve,rural microfinance lending rates are rising steadily,farmers to small loans repayment rate also in ascension.2.Microfinance in current development of county level in the medium above,in the process of implementation,break through the traditional model of credit,in priority arrangement on garment enterprises demand at the same time,continuously broaden the support domain,more in lending in the fields of agriculture leading enterprises.Three pairs of the impact of farmers' income,the growth of microfinance loans to the farmers' income of absence made positive correlation,which through the analysis of the regression model microfinance loans,every | units increase rural incomes increase 2,845 units.According to the results of the stationarity test,every 1% increase in the amount of farmers' micro-credit lines increases the per capita income of rural residents.0762%.4.There are some problems in the rural microcredit of Huanxian county,such as the mortgage problems,the ideological orientation,the deviation from the positioning of the coin field,insufficient service awareness,and the lack of active marketing concepts.In view of the existing problems,the article puts forward corresponding Suggestions,such as the full efforts to promote the rapid and stable growth of credit;Effective and effective prevention and control of financial risks;We will support structural reform in agriculture.