Problems And Countermeasures Of Microfinance In Rural Commercial Banks Of Dongyuan County

The No.1 Document of the Central Committee for 13 consecutive years from2004 to the present mentioned the development of “agriculture,rural areas and farmers”,indicating that the party and the government put the development of“agriculture,rural areas and farmers” in a crucial position.In solving the problems of increasing farmers' income,agricultural development and rural stability,the core is the problem of increasing farmers' income.The biggest obstacle encountered by the vast number of farmers in China on the road of increasing income is that there is no financial support.The predecessor of rural commercial banks is the credit cooperatives.Since its establishment,it has been committed to serving the “three rural”,relying on the advantages of outlets to create a professional service team.Microfinance products are products designed to support the “three rural issues”.Since the restructuring of Dongyuan County Rural Commercial Bank in 2014,the amount of credit has reached 5.2 billion yuan,which has laid a good market foundation and won unanimous praise from regulators,governments and loan customers.However,with the continuous expansion of business scale,microfinance has been stagnant,and asset quality has become a bottleneck that has further affected the development of microfinance business.Although the current asset quality is within the controllable range,it has affected the enthusiasm of development to a certain extent.This paper conducts empirical research on the analysis of the reasons for restricting the issuance of microfinance and the relationship between credit systems in domestic and foreign literatures.In the final analysis,the situation of asset quality caused by credit risk is further severe.This paper first introduces the background of the topic,the purpose and significance of the research,and summarizes the relevant literature on microfinance strategies outside the country.Secondly,through the data,the problems in the development of microfinance of commercial banks are expounded,and the status quo of financial poverty alleviation in Dongyuan County of Heyuan City and the status and effectiveness of microfinance loans of rural commercial banksin Dongyuan County are elaborated.The eight theories are introduced to provide a theoretical basis for analyzing the(game)spread relationship between the government,financial institutions and farmers.Through the questionnaire survey,the development of microfinance products,credit risk management and farmer satisfaction analysis of rural commercial banks in Dongyuan County were first described.Then,by selecting the loan data between 2015 and 2018,the main influencing factors affecting the problems of microfinance in rural commercial banks in Dongyuan County are obtained.Finally,according to the cost-benefit theory,the relevant countermeasures for issuing small loans are proposed.