The Study On The Mode Of Microfinance Operating Of Hunan Rural Credit Cooperatives

Microfinance is an important product of the Rural Credit Cooperatives which aimes to service the agriculture, farmer and rural area. It also plays an active role in solving the bottleneck of providing farmers with loans. This paper, from the advent background of microfinance, reveals its principles and rules. Meanwhile, it also exemplifies the typical experience and directions in the implementation of sustainable microcredit of the foreign financial institutions. Based on those experiences, the author looks back the Rural Credit Cooperatives'fundamental conditions and its existed problems. Then, exploring how to deal with the surety of loans, the author put forward the model of"microfinance+farmer-concerning subsidy surety fund".this paper analyses systematically the reason, feasibility, operation and mechanism of design of that model. By exploring the inner and exterior conditions of running this model, we expect that the model can contribute to the political efficiency of the farmer-concerning subsidy surety fund and enhancing the sustainable development of microfinance, but also to promoting the Rural Credit Cooperatives'benefit and the fully carrying out of the New Rural Construction。...