Micro-credit In Rural Credit Cooperatives Performance Study

The " agriculture, rural areas, farmers " issue has a fundamental impact on China's social stability and economic development and modernization process and resolve the " agriculture, rural areas, farmers " issue is the Government's top priority.The core of the issue is to increase the income of the farmers, and promote peasants to increase income. And the income of farmers increased to a large extent is on the level of capital investment growth. To maintain the total supply of rural finance and rural economic development in the internal balance, has become a key to rural economic growth and increase farmers income. At present, rural finance in China's financial system is still the weakest link in:the conflict between supply and demand is very conspicuous, urban and rural financial serious is imbalance in the allocation of resources, the overall level of service is far from meeting a new socialist countryside construction. Microcredit in China's vigorous development, in line with the trend of development of the rural economy, is to solve the problem of strong rural financial initiatives, particularly in rural credit cooperatives the development of farmers microcredit has the financial plight in the rural areas and plays an important solution Role in promoting the increase of farmers. But micro-credit in rural households in the Rural Credit Cooperatives run their own business, the income of farmers improve production, rural credit environment for the development played a role, and what role the way to what is academic and policy layer, the majority of farmers close Issues of concern.In this paper, drawing on existing research results at home and abroad, micro-credit to Rural Credit Cooperatives to study the operational performance, through the Tai'an City in Shandong Province in the field survey data, the first analysis is the supply and demand in the rural financial status, the second is on the basis of a detailed analysis. The development of micro-credit for rural financial institutions is from the quality of assets and operating efficiency.and farmers'studyis from the impact and coverage of the farmers income level of farmers, farmers credit coverage, farmers living environment to improve the situation, that micro-credit institutions and customers at the operational level of achievement . As the level of microcredit institutions performance analysis has been more mature, the paper's focus on the customer level performance analysis. Because of the different types and sources of income of different farmers ,micro-credit and the relationship between the expression have on different characteristics. In the study, theoretical support and attention to this specific practice, the combination of performance measurement farmers cited a Douglas O'Brien (C-D) production function model, the measurement methods used SPSS software for micro-credit and income of farmers and the relevance of the multiple regression analysis. Analysis of micro-credit and that the relationship are between the farmers income. Specific research findings as:Level research institutions: the micro-credit to farmers, Rural Credit Cooperatives throughout the lower rate of bad loans and improve loan quality of the rural credit cooperatives improve the operating efficiency of great significance.Farmers at the research findings as: 1. Farmers lack of formal financial institutions credit services; 2.Microcredit is the farmer's production input sources of funding; 3. Aimed at the micro-credit in rural areas have certain economic strength of the market-based farmers, in low-income rural households lack access to effective credit; 4. Micro-credit to farmers of different sources of revenue performance of the performance of different, non-operating income of its obvious positive incentives, while operating income for its agricultural performance smaller, and even the performance of wage income for the negative; 5. Elements of credit demand and other factors, interdependence and common decision of the income level of farmers.