Research On The Supervision Of Rural Microcredit In China

China is a large agricultural country.The difficulty of farmers' loan has always been the main factor restricting the development of rural economy in China.Rural micro-credit can effectively alleviate the problem of farmers' loan.Microfinance is a part of the financial industry,but also a new development tool.Microfinance includes financial services and social services.It can meet the financial needs of families and small and micro enterprises that have never received or rarely received formal financial services.The main target customers of micro-credit institutions are low-income and middle-income families and small and micro enterprises widely existing in rural areas of China.However,there are still some problems to be solved urgently.We should eliminate these constraints by strengthening financial supervision so that microfinance can better support the development of rural economy in China.The focus of microcredit supervision is whether it can meet the requirements of national industrial policy,whether it can implement preferential support,strict limitation of inferiority and differential treatment of loan preference policy.Whether the direction and amount of loans are conducive to the adjustment of national industrial structure,whether they are within the limits of loan scale or meet the requirements of relevant proportions.The implementation of the loan system,whether the loan issuance strictly implements the separation of examination and loan,authorization and "three checks" system.Based on the background of rural financial reform in China,this paper explores the methods of rural microfinance supervision and problem solving.Firstly,this paper reviews the development of financial reform in rural areas of China in recent years.Through this reform,China's rural financial system,risk prevention system and guarantee system are initially formed,the reform has achieved little success.Secondly,through the analysis of the current situation of rural microcredit development in China,we can find that after many years of development,rural microfinance services have achieved greater economic benefits in optimizing the rural financial structure.However,there are still many regulatory problems,such as insufficient attention to social credit issues,insufficient conditions for professional institutions to make professional credit ratings for microcredit,and excessive government intervention.Therefore,it is very necessary to solve the problem of rural micro credit regulation.Through the research and analysis of the countries with good financial supervision and development,it can be found that their financial supervision has a positive reference effect on the supervision and construction of rural microfinance in China.In view of the actual situation of rural micro-credit supervision in China,China should first establish a comprehensive micro-credit system,relax market access mechanism,and promote the diversification of financial institutions.At the same time,we should improve the competition mechanism of microfinance in the financial market.Under the circumstance that the deposit-loan ratio has not been paid attention to,we should rationally allocate financial products and optimize the deposit-loan structure.At the same time,we should establish a legal support system for the disadvantaged groups to facilitate financing.We will vigorously improve the efficiency of financial supervision departments.