How Governments Act On The Chinese Rural Micro-credit Operation Projects

The rural economy issue has always been plagued China's economy is sustained, rapid and healthy development of the main bottlenecks. Impact of China's rural economic development is the main factor shortage of funds, while the rural labor supply in a saturation point, so there is lack of coordination of labor and capital, coupled with China's rural financial market development is slow, the obvious contradiction between demand and supply of credit funds, the operating efficiency of poverty reduction discount loans Is not high, difficult to fundamentally change the situation of shortage of funds in rural areas, rural areas in urgent need of financial innovation to adapt to the further development of the rural economy requirements. As China's rural micro-credit development, and promoting rural economic development increasingly important role in the show, and microfinance institutions diversify sources of funding and the expansion of the scale, the monitoring of micro-credit gradually came to the surface. As micro-credit has a different commercial banks and the general risk characteristics, the Chinese government on how microcredit in the correct orientation and implementation of effective supervision, as the issue is worth studying.This paper is divided into four parts on "China's farmers in the microcredit system in the role of" launched a study of the topic. Introduction to the first part of the main paper on the research background, the significance of study, research synthesis and research methods. The second part of the microcredit farmers had outlined the theory, scientific definition of the concept of microcredit farmers, the farmers of the characteristics of micro-credit, micro-credit and rural households to do the basic theory expounded. The third major part of China's farmers microcredit and the status of the problem, first of all on China's small farmers credit the origin and development of China's farmers then micro-credit institutions and credit model and the implementation of the status quo, that the final China's farmers microcredit in the development of the existing problems, and analysis of its causes. Part IV is not the focus of this paper, the former on the basis of the text, expounded China's farmers in the microcredit system in the role and policy recommendations, the first of China's rural households in the microcredit system in the role of the start of the analysis, Followed by the farmers in our government system of microcredit policy recommendations: clear microfinance institutions (companies) the legal status of microcredit maintaining the efficient operation of microcredit institutions to give more policy space to strengthen small Institutions of the internal management of a regulatory law. Through the establishment of a sound monitoring system, to promote rural micro-credit projects development health and steady.