Research On The Development Issues Of Peasant Household Microfinance In Dongying

To achieve the development of agriculture,we must rely on the progress of science and technology and change the way of agricultural growth.We must rely on a large number of funds for agricultural development and keep these funds in a rational way.Therefore,we need to adjust the adjustment of agricultural structure and actively absorb all development funds,increase agricultural investment,improve the efficiency of agricultural funds and promote the sustainable development of agriculture.With the great development of rural areas in Dongying and the steady increase of farmers' income,the direction of financial support for agriculture should also be adjusted accordingly,one of which is based on the country's rural policy and the actual situation of local agricultural development.Based on the actual changes in rural areas,many local banks have gradually shifted the microfinance from the poor to the growth of the agricultural industry.In order to effectively carry out the microfinance business,use the direction of credit demand and credit funds will need basic situation of Dongying city and Dongying city agriculture farmers for research,closely related,should also investigate Dongying city agriculture industry development,the local agricultural development planning,and local agricultural financing channels for the research of agricultural production organization of all kinds of financing scale,demand,loan risk,use and characteristics of the situation,on the basis of research,clarify the demand of funds in the process of agricultural development in Dongying City,and Dongying city commercial agricultural firms in the area of micro finance to adjust policies to better serve the agricultural credit service,improve the quality and efficiency of agricultural microfinance,provide a realistic basis for expansion of business development and business innovation of Dongying rural commercial bank.The purpose of this study is to explore the rural situation,problems and Countermeasures of small business development direction of Dongying agricultural firms,this study first investigated the basic situation of agriculture in Dongying city and Dongying city agricultural firms in microfinance,and investigated the credit needs of farmers in Dongying city by questionnaire,and according to the characteristics and problems of Dongying small city credit,put forward some opinions and suggestions to solve.The main conclusions of this study are as follows:1.,the survey shows that the development potential of agricultural microfinance has great potential in Dongying rural area.How to develop microfinance business among farmers with loan needs is the main goal of Dongying agricultural business development in the future.Farmers can guarantee goods are too few,indicating that Dongying's agriculture related credit is still mainly based on microfinance,and microfinance is unsecured,which is a little consistent with the actual situation of farmers in Dongying.2.on the loan amount,the willingness of the ordinary farmers to loan is 3-10 million,and the loan amount of the new farmers is expected to be 10-20 million yuan.In China,the credit line of microfinance is located within 50 thousand,and the corresponding countermeasures are urgently needed to meet the needs of the loan amount of the farmers in Dongying.To solve these problems,this study put forward a solution to Dongying Microfinance development strategy,including transition,microfinance ideas adjust credit pricing strategy,support the development of new industries,farmers credit and default processing,improve sales quality and credit risk prevention measures.