Jiangsu Province Countryside Microfinance Problem Research

At present, with the increasing development of rural economy, the small rural loans plays apparently important role in the aspects of recovering the deficiency in agrarian financial market, speeding up the development of rural economy, and enhancing the level of rural living standard. However, as the current situation, because civil peasant have shortage of information on the extend of small rural loans, deficiency of scope of knowledge, the small rural loans in the aspect of spreading operation is subjected to various block.In this thesis, based on the theory of central no.1 document in 2006, "Greatly cultivating microfinance organizations initiated by natural person, enterprise legal person, or commonalty, Guiding the development of peasants' cooperation in the field of financing, normalizing popular debit and credit, and is established in country financial industry practiced in real life, it analyses development history of the small rural loans in full scale, and proposes specific thought based on value orientation of promoting "issues of agriculture farmer and rural area". Thesis consists of four parts.In the first part, introduction, author introduce the research current situation, analyses theory meaning and reality in research, and set forth the concept of the small rural loans, that is, generation of the small rural loans.In the part two, reviewing financial system in our country before and after the reformation, the author analyses about a survey of the small rural loans in JiangShu province, that is, externalities of developing the small rural loans in JiangShu province, the main part of credit operations, control limit, the condition of giving out and so.In the Part three, the author analysis the problems in the country of credit operations in JiangShu province, for example, the law and policy environment existing at this stage restrict persistent development of country micro credit; the conflicts exist between state action and commercial operation; interest rate is lack of elasticity.The fourth chapter is based on second and third chapters of the content for the development of rural micro-credit, Jiangsu Province, made several suggestions.In short, this hope can help by analyzing the financial capabilities to make up for deficiencies in Jiangsu Province, to guide the development of private lending norms, improve rural financial services, so as to promote the new Rural Finance in the Jiangsu province, and across the country smooth and rapid development.