Research On The "Micro Credit" Model Of Grassroots Financial Institutions To Support The Development Of "Three Rurals" Loans

The problem of "three rural" is produced in a unique social background and economic background.Whether it can be solved smoothly is the key proposition of economic transformation in China.There are three kinds of rural economic structure in our country:farmers,individual industrial and commercial households and rural small and micro enterprises.In the vast rural areas,due to the relatively weak economic conditions,"financing difficulties" hinder the social progress and economic development in rural areas.Therefore,to further the construction of a new socialist countryside,we must solve the problem of rural financing.At the same time,with the rapid economic development in rural areas,the financial industry demand is also showing new features:wide variety,diversity,the main demand is more and more widely,expand to the company,industry,different towns,the demand for products from a single demand changed for collection and payment and demand for some financial derivatives.In this context,in fact,for commercial banks to obtain high profits in rural finance provides the possibility,but also from the demand side of the bank issued into rural areas of motivation.Therefore,the existing rural commercial banks in rural areas,due to their earlier laid many outlets,familiar with the advantages of the regional situation,rural financial services will become a new business growth point."Micro credit" model is in China's financial market competition intensifies,banks and other financial institutions to the characteristics of the direction of the development of professional environment.In the financial sector in rural areas,one of the innovation as a means to serve the "three rural"."Micro credit" technology is mainly to solve the loan demand and financial supply of the overall dispersion problem for farmers,individual industrial and commercial households and rural economic organizations use some technical means,take commercial loans.As a member of the rural commercial banks,I have seen some of the "micro credit"model in the implementation of the region.I will combine my own work practice and theory,using literature analysis,face interview method and field survey method and so on,to serve the "three rural" as the main line,in-depth analysis of J rural commercial bank,the"three rural" loans "micro loan application practice and experience,explore the "micro credit" model in service the" three rural "process has encountered problems or will.It also puts forward the corresponding countermeasures and suggestions from the aspects of how to better serve the "three rural",interest rate pricing,innovation guarantee,reduce transaction costs,strengthen risk prevention and innovation services.In this paper,the direction of the study is relatively unique,but also with their own point of view,put forward a number of practical,operational point of view.From the research results,on the one hand,we can better serve the "three rural",rural financial services.On the other hand,I also hope to make contribution to the sustainable development of our own banks.