| With the continuous advancement of China’s rural urbanization process and the rapid development of rural economy,rural finance appears to be particularly important,and rural microfinance,as a medium of contact with farmers,not only vigorously promotes the implementation of rural revitalization strategy,but also relates to the solution of rural issues.It is of great theoretical and practical significance to study how to let farmers enjoy the national rural financial preferential policies and solve the problems in the development of rural microfinance in Liangzhou District.This paper focuses on the development of rural microfinance in Liangzhou District of Wuwei City under the background of rural revitalization strategy,and tries to improve the problems existing in its development.Firstly,the background and significance of rural microcredit under the background of rural revitalisation strategy are expounded,and the relevant literature at home and abroad is analysed and summarised.Secondly,the relevant concepts of rural revitalization strategy and rural microfinance are briefly described and based on information asymmetry theory,rural credit subsidy theory and rural financial market theory.On this basis,questionnaire survey method,case analysis method,data analysis method and other methods are used to analyze the implementation status of rural revitalization strategy and the development status of rural microfinance in Liangzhou District,and reveal the problems existing in the development process of rural microfinance in Liangzhou District,mainly including: The implementation of government functional departments is not in place,financial institutions lack of funds,rural microcredit risk prevention mechanism is not sound and product innovation is insufficient,rural residents’ cultural literacy and integrity awareness is weak.Finally,in order to better promote the development of rural microfinance,in view of its existing problems and combined with the development situation of Liangzhou District,This paper puts forward some countermeasures and suggestions to improve the sustainable development of rural microfinance in Liangzhou district,such as increasing government guidance and support,perfecting rural microfinance development system,optimizing rural microfinance management and strengthening risk control,and improving rural residents’ cooperation enthusiasm. |
