The Development Of Microfinance Business Of Rural Commercial Banks In Hunan Province

In recent years,in order to improve rural living standards of the "three rural" work has become a top priority in the development of our country's economy,is also one of the focus of the government's work.From 2004 to 2017,the central file already 14 years in a row number one concern "three rural" work of our country,the purpose lies in increasing farmers' income in our country,enrich farmers,rural America.Xi jin ping in December 2016,the central economic work conference pointed out that to be rich in China,farmers must be rich;"Three rural" work of the fundamental purpose is to let farmers' living standards improve,more and more happiness,and to this end,must let the steady growth of farmers' income.And micro-finance because of its unsecured credit lending,specialized services to farmers,individual industrial and commercial households and other low-income people in innovation characteristics of micro and small enterprises,has become the main force of promoting the farmers' income.So far,although many financial institutions in our country are all in a certain extent,to carry out the rural micro-finance,but as a result of specific management and operation methods and each have differences,there is little real roots in rural financial institutions,which virtually led to the high cost of micro-finance,risks and drawbacks such as the lack of credit mechanism,the difficulty of farmer borrowing has still not fundamentally solved.This no doubt increased the micro-finance business management and operation cost,and the rural economy and urban economies of different loan demand and nature has exacerbated the rural micro-finance business costs and risks.Rural commercial bank,as inheritance,new financial organization in rural credit cooperatives,after the restructuring of high work efficiency and the nature of the roots in the countryside makes it become the mainstay of rural financial development in our country,rural micro-finance has thus become the commercial Banks to promote the main body of farmers' income,solve the "San Nong" problems.Therefore,this paper argues that the development of rural small credit business of commercial bank in China for further study,for the development of rural financial market in China,So it is necessary to solve "San Nong" problems.The highlight of this paper lies in combining rural micro-finance industry development level of rural commercial bank business development study,through field investigation is inconsistent with the degree of the industrial development stages village,it is concluded that micro-finance business development and the relationship between rural local industry development,and through the comparison to find out in addition to the industry development factors of the other factors affecting the development of small credit business,thus make more specific Suggestions.The deficiency of this paper lies in that,as a result of the research area in hunan province,only span far survey of each county and cause in each county research time is insufficient,the collected about micro-finance sample quantity is less,can't combine economic model to carry on the empirical analysis,specific study more intuitive.