Research On The Development Model Of Rural Credit Intermediary Organizations

The new rural construction and development needs the participation of farmers, but farmers in the restricted by the shortage of funds, credit funds from the supply and demand, on the one hand farmers need capital, on the other hand,banks or credit unions with the remaining funds, therefore, how to solve Rural credit cooperatives, and other banks or financial institutions, credit supply and demand for credit among farmers of convergence not clear, as the current new building in a rural issues requiring urgent solution.Farmers and credit institutions that exist between the two major obstacles: the one hand, information asymmetries, and farmers there is "adverse selection" problem, in signing the contract, rural households to credit funds for other projects in operation Or consumption and not for use in accordance with the contract. On the other hand, credit institutions to inadequate supervision of the farmers, leading to recovery of credit institutions and credit funds to reduce income, so that credit institutions operating performance lower. Based on the above two reasons, the farmers access to credit funds are still constraints in rural development and increase the income of the farmers an important factor. Therefore, farmers need to establish a connection with the credit institutions of intermediary organizations, through which the operation of intermediary organizations, on the one hand supervision of farmers in the use of funds and direction of the use of goals the other hand, the dynamics of rural households to credit institutions feedback information so that borrowers and lenders information To communicate with each other, and credit institutions of credit supply and the vast majority of the credit needs of farmers and effective contact; Although the present China's rural credit intermediary organizations mode of development of many, the practice adopted by the model form also vary, but are still in the exploration of sound. In this paper, through the Wolong area in Nanyang City in Henan Province party credit the Commonwealth of the rural credit intermediaries to develop new models of the "Sparrow" anatomy, the focus of the inspection tour of rural credit intermediary organizations such the internal operation mechanism, functions and its performance is the Unique advantages: relations between the party and the Commonwealth of credit is currently China's rural credit intermediary development model in the distinctive and effective model of the new rural construction solve the current shortage of funds, has a positive and practical significance to promote the value of.