Study Of Micro-credit Business Development For Qingdao Rural Credit Cooperatives

Now, central authority pay more attention on developing of rural economic than before. Under this kind of situation, rural credit cooperatives in Qingdao that is main force of rural finance will assume main responsibility for rural finance. But because of these problems, such as finance problem, operational risks, interest rate etc. In the developing process, it encountered many problems, and can not meet the requirement of development of local rural economic and business development of itself. This is the start point of this paper, and talks about the reason of these problems, and benefit from international experience, and recommend the solution of these problems, and indicate right solutions of micro-credit for rural credit cooperatives in Qingdao.This paper is consisted by following chapters:Chapter one expand the basic theory of micro-credit, and introduce the notion of rural micro-credit, the related elements of rural micro-credit business, the theory of development for rural micro-credit, and the importance of rural micro-credit in rural finance. It also definite clearly for supplier of rural micro-credit, credit limit of micro-credit, client of rural micro-credit, and the aim of rural micro-credit, and so on. The paper also expands detailed for 2 main kinds of rural micro-credit in international mainstream, and declares the practical significance.Chapter two analysis the business of rural micro-credit in Qingdao, and introduces its current situation. it declares the positive impacts for rural economic according to popularizing credit, union credit,and strengthen support of agriculture credit, from the beginning of rural micro-credit in Qingdao. the paper analyses clearly for the market competition, operating risks, the question of capital supply, the interest rate issue, the issue of brand, and national support policy issues.Chapter three introduces 2 successful kinds of micro-credit in the world: Bangladesh GB micro-credit and Indonesia BRI micro-credit. And introduces the specific operation characteristics, and learn that the method of micro-credit in Qingdao according to the successful experience of these 2 models.Chapter four further develops the business strategies of Micro-credit in Qingdao rural credit cooperatives, and declares specific resolution for financial support of microcro-credit:1.strengthen credit rating mechanism, improve credit environment, 2.establish farmer-centered system of a wide range services, 3.strenghten the construction of Qingdao rural credit cooperatives, 4.develop local microfinance products based on local charterers, 5.improve micro-credit insurance mechanism to avoid operational risks; the solutions of market-oriented interest rate and the difference of micro-credit can meet the requirement of micro-credit development, and support the development of local economic. For brand issue, author think maybe strengthen brand, expand micro-credit services, and increase marketing brand can upgrade brand and make micro-credit well-known.