Study On Development Of Microfinance In Rural Areas In Xinjiang

Governments and academia are more concerned about how to reduce poverty in rural areas, how to promote the growth of farmer's income and achieve development of the rural economy through financial measures. Rural microfinance makes farmers with loan right and the development right. As a form of financial innovation, rural microfinance provides a new line of thought to solute the above mentioned problems. Today, the rural microfinance becomes a way of helping the poor to develop, and display a broad development prospects.Based on the theory and practice of microfinance in foreign countries and domestic, the thesis summer up the experience and enlightenment of microfinance, and define the scope and content of microfinance. Through the analysis of microfinance status, the thesis reveals the actual supply and demand of microfinance in Xinjiang. The thesis tries to found the suitable ideas and methods to improve the microfinance in Xinjiang, and enhance strength of integrated rural development in Xinjiang.Based on background of the development of the rural economic and rural financial in Xinjiang, the thesis starts with the analysis of the supply and the demand of rural microfinance in Xinjiang through a large number of practical investigations. Firstly, the paper analyzes the main demand for microfinance -- farmers, and find that a large number of farmers in Xinjiang have the demand for credit. And the farmer put the micro-credit in the first place. The demand and the supply exists dislocation. Secondly, the paper analyzes the main supplier of microfinance, and the supply situation of microfinance in Xinjiang. The paper indicates that the RCCs (rural credit cooperation) have comparative advantage of micro credit. Then the paper point out the problems and difficulty in the supply of the RCCs'microfinance. Finally, the paper put forward the corresponding countermeasures and proposals on the analysis of the factor influencing rural microfinance development in Xinjiang. The thesis research the development of rural microfinance in Xinjiang from the financial and economic perspective. The thesis adopts empirical and normative analysis method, qualitative and quantitative analysis method, static and dynamic analysis method, macro and micro analysis method, and some quantitative economic analysis methods such as regression analysis method. The thesis not only analyzes the credit demand of the households, but also the credit supply of financial institutions and NGOs through field survey in rural areas in Xinjiang, which make the study more systematic and comprehensive, and enrich the content about rural microfinance in Xinjiang. The thesis determines the dominant position of the RCCs through analysis of typical areas in Xinjiang, and advances some basic ideas of the microfinance development, which is of system innovation significance.