Does Microfinance Loan Raise The Welfare Of Farmers?

Agriculture has been the basis of our national economy since ancient times.Since the issue of "three rural issues" was first proposed in 2000,the construction of rural economy,the sound development of agriculture,and the well-being of peasants have become an important part of the development blueprint for the party and the country.In the issue of agriculture,rural areas and farmers,as the most direct micro-subject,farmers have become an important issue in solving the problem of agriculture,rural areas and farmers.Paying attention to the living standards and development levels of rural households is an important part of rural construction.Microcredit support for agriculture has thus started.Small-scale agricultural loans help the construction of financial systems for rural households and are also an effective way to improve the dual economic structure.Over the past year,both the number of loans for agricultural loans in micro-credit and the number of micro-credit institutions for supporting agriculture have grown by leaps and bounds.Capital and financial vitality have been continuously injected into rural areas.Under the important thinking of“precise poverty alleviation”,small agricultural loans and other financial products have led the new fields and new climaxes of precision poverty alleviation.Microfinance projects for supporting agriculture are still being continuously improved.However,in the face of China's vast distribution and unbalanced rural areas,microfinance still faces many challenges.The impact of the small agricultural loans agencies on the risks of farmers and their continuing operations,and the different forms of small-amount agricultural loans are different for farmers.In the research on microfinance and support for agriculture,most scholars focus on the product design of formal financial institutions and microfinance operations of informal financial institutions;focusing on the performance of financial institutions;and paying more attention to the actual welfare of farmers.less.The paper selects the effectiveness of small-agricultural loans for farmers as the research object,and takes the L-region of Hunan Province as a case.From the perspective of financial inclusion,the financial inclusion theory puts forward the optimization of small-scale agricultural loan business models for rural households in L district of Hunan Province.This paper analyzes the transmission mechanism of small-scale agriculture loan business to farmers' well-being on the basis of welfare economy.It describes the basic summary of the small-scale agricultural loan business in the survey area and the multi-level promotion model of rural commercial banks.Through questionnaires,the three main aspects of farmer households' well-being are defined.From the perspectives of farmer's satisfaction,farmers' income increase situation and consumption structure,as well as the scale of farmer households,they can see the improvement of farmer households' welfare and analyze the small-scale agriculture loans in these areas.The impact and improvement of farmers' well-being.The paper's investigation and research on the impact of small-scale agricultural loans on farmer households' welfare can provide experience for the small-scale agricultural loan implementation model of rural commercial banks and other institutions,and provide a reference for the healthy development of rural financial markets and sustainable and stable development of small-scale agricultural loans.Certain guiding significance and practical significance.