A Research On The Development Of Rural Credit Cooperative Of China Farmer Microcredit

"Agriculture, country and farmers" is one of the China's basic questions, and also is the governments most cared and most concerned question. The question of "agriculture, country and farmers", actually, is only a question that the too low income of the farmers. The reasons for the low income of the farmers are many, but the lacking for the effective financial service is a very prominent question of all the reasons. The international and domestic experiences have proved that the farmer microcredit is one kind of suitable and important financial service for the countryside. Internationally, the microcredit service has first successfully practiced in Bangladesh Country bank. In 1999, the People's Bank of China has started to generalize the services of farmer microcredit, which not only will solve the farmer's loan difficulty, but also will boost the beneficent development of the Rural credit cooperative, So the Rural credit cooperative's microcredit services for the peasant's sustainable development is also taken to the official's business agenda.On the bottom of the investigation and study about the practices of farmer microcredit of Rural credit cooperative in our country, analyzes the state of each related nations, and using it as a reference. Proposing the sustainable countermeasures that will further advances the development our country's jot agricultural credit service, in order to do some benefits to the jot agricultural credit's sustainable and healthy development.Except for the foreword, the article has been divided into seven chapters. The structure is as follows:Firstly, simply introducing the basic concepts and the basic theory points of the microcredit service, and expounding the contents such as the definitions, the commercial feasible patterns, the interest rates, the jot credit supervision standards as well as the Rural credit cooperative's advantages to launch the jot credit service as a large organization.Secondly, the author has adopted the methods of combination of the qualitative analysis and the quantitative analysis, the theory and actual practices, considering the practices of the microcredit services for the peasants currently, proposing some questions in the services, making an evaluation on the achievements of the microcredit system at last.The third parts of the article discussed the practices of the s microcredit services all over the world. Introducing the Bangladesh, India, Indonesia as well as Bolivia's microcredit systems with emphasis.Fourthly, making a comparison to the overseas microcredit services and making some enlightenments as follows: proposing the reasonable interest rates on loan, the specialization of the organizations and the personnel, reducing the government's interventions but trying for more government's supports, combining the loan supports and the technical services as well as strengthening the trainings, establishing a perfect market mechanism and so on.Finally, linking to the realities of the jot credit services of Rural credit cooperative, proposing several suggestions to promoting the sustainable development of the farmer microcredit services of Rural credit cooperative in our country.