Research On The Development Of Rural Commercial Bank's Microfinance Credit Business

At present,China's rural credit management system has undergone major reforms,especially the development of micro-credit business of rural commercial banks,which is very important to alleviate the demand of farmers' funds and solve the shortage of funds in rural areas.Meanwhile,the development of micro-credit has good social and economic benefits.With the gradual withdrawal of the existing agricultural banks in rural areas,rural commercial banks have become the main force in rural finance in China.,Microfinance business for rural financial environment has a direct impact.However,at present,the rural micro-credit business of rural commercial banks is faced with many problems in the process of carrying out.Therefore,this paper chooses the familiar L county,rural commercial bank as the research object microfinance business problem research has Very important practical significance.This paper takes L County rural commercial bank as an example.Firstly,it introduces the background of the micro-credit development of rural commercial banks in L County and the significance of this paper.It briefly explains the research ideas and research methods.At the same time,Micro-credit business-related knowledge,the core mechanism of micro-credit business was described.Secondly,it introduces the basic knowledge of microfinance business and the relevant theoretical knowledge,and depicts the significance of microfinance business development.Thirdly,it introduces the general situation of rural commercial banks in L County,and then analyzes the current situation of micro-credit business of rural commercial banks in L County through statistic data.It analyzes different types of customers,business types,guarantee methods,service "three rural" situation,etc.At the same time,combined with the status quo,identify the current rural commercial bank of the problems and causes in L.Then,it describes the successful development of the micro-credit business of rural commercial banks in other areas of China,and sums up the successful experience of the micro-credit in the rural commercial banks of L County.Finally,according to the problems of micro-credit business in L county rural commercial banks,the author puts forward the strategies to solve the micro-credit development of rural commercial banks in L county:firstly,the government guides rationally;the second is innovative business design;the third is perfect management mechanism;the fourth strengthen the risk prevention;the fifth is a sound credit system.