The Research On The Development Of The Rural Household Microfinance In LQ Rural Credit Cooperative

In recent years,along with the construction of socialism new countryside,China's urban-rural integration and rural revitalization strategy gradually accelerated,agriculture,which is an important part of the national economy,plays an increasingly important role in keeping the national economy healthy and sustainable and undertaking the industrial upgrading in rural areas.The public pay more attention to the issues relating to agriculture,rural areas and farmers.No matter it is the industrialized development of agriculture,various institutional reforms in rural areas,or the increase of farmers' income and reduction of their burden,the issues relating to agriculture,rural areas and farmers have a great impact on the sustainable development of the national economy and cannot be achieved without the support of finance and strong financial security.As the main force of rural financial services,rural credit cooperatives aim at funding farmers in agricultural production and operation.How LQ rural credit cooperative plays its due role in the construction of socialism new countryside,and how it avoids the risks in the rural household microfinance and solves the problems in the lending link are realistic research topics in front of us.In this article,it is based on the domestic and overseas research literatures about microfinance,guided by the theories of rural microfinance,and combined with the current developing situation of the rural household microfinance in LQ rural credit cooperative.Through investigating the current development of the rural household microfinance,analyzing the problems and the causes of formation,the writer puts forward the suggestions which are aimed at optimizing the existing problems and contributing to the healthy and sustainable development of the rural household microfinance in LQ rural credit cooperative.Thus it can promote the development of LQ county agricultural production and farmers' income.This paper contains five parts:The first part is about the introduction.It mainly introduces the background,the significance,the content and methods of the research on the rural household microfinance and the research status at home and abroad.The second part is the fundamental theory.It expounds the related notion,features and the theoretical foundations of the rural household microfinance.The third part is about the current situation of the rural household microfinance.The writer analyzes the current development of the rural household microfinance in LQ rural credit cooperative,especially the loan balance fluctuation,the increase of non-performing loans and the personnel structure,laying the data basis for the following reason analysis.The fourth part is the problem analysis of the rural household microfinance.It explains the main problems of developing the rural household microfinance in LQ rural credit cooperative,such as: investigation information distortion,the lack of grass-roots employees,the lack of professionals,post-loan management difficulties,the increase of non-performing loans,and other problems.Meanwhile,it explains the causes of formation.The fifth part is about research conclusions and the countermeasures.Based on the previous analysis,the writer draws a conclusion that the government,the microfinance institutions and the farmers jointly promote the long-term development of the rural household microfinance,and explains the specific development countermeasures form three aspects.Solving the problems of the development of the rural household microfinance in LQ rural credit cooperative is not a single aspect.We should have a systematic thinking,and solve it from three aspects: the government,LQ rural credit cooperative and the farmers.Only the three parties work together,can the problems be solved well.