The Status And Development Strategies Of Zhangzhou Rural Credit Cooperatives' Microfinance

Micro-credit is a major reform of rural credit management system in China. The promotion of micro-credit loans in rural credit cooperatives are effectively alleviate the difficulty of the farmers getting loans, and achieved good social and economic benefits. The practice in our country is effect, but at the same time,there are number of problems. In this paper, begin from the meaning of China's micro-credit, then analysis the problems of Zhangzhou rural credit cooperatives during the development,in order to promote the development of micro-credit more effectively. This make it become an important driving force of building a moderately prosperous society for farmers. This paper is divided into five parts, the main contents are as follows:The first part is the introduction,which mainly describes the significance of micro-credit and topics of background; then introduced the line of research methods and techniques, and described the situation of research at home and abroad ; the related to the theory of micro-credit overview in rural credit cooperatives; the core of the amount of the credit mechanism and its theoretical basis of microcredit.The second part describes the overall profile of Zhangzhou City, and its historical review of micro-credit. Then analysis Zhangzhou Longhai micro-credit in rural credit cooperatives empirical the income of farmers. Introduced the main practices and results achieved of Zhangzhou rural credit cooperative's micro-credit.The third part describes two farmers in micro-credit model, they are more successful then others.And compare these two models respectively. Then expand the successful experience of foreign countries to the development of Zhangzhou rural credit cooperatives microcredit.Such as: the reasonable interest rate; the professional worker and specialized agencies; combine the lending support and technical services.And strengthen the training.The fourth part is the SWOT analysis for micro-credit to rural credit cooperatives in Zhangzhou.The advantages of the development of rural credit cooperatives' micro-credit in Zhangzhou are: the rural credit cooperatives'own advantages; Zhangzhou region's location advantages and Zhangzhou agricultural infrastructure advantages. The peasants lack of understanding of the micro-credit; rural credit cooperatives in Zhangzhou imperfect mechanism of micro-credit operations, credit rating is not strict, the lack of caution, these problem are the mainly disadvantages. The national pay attention to the rural areas, and the construction of the Haixi are the micro-credit of rural credit cooperatives in Zhangzhou's opportunities. the sustainability of micro-credit in rural credit cooperatives of Zhangzhou is poor and the competition ,those problem are the mainly threat.The fifth part is the propose solutions to the problems of rural credit cooperatives in Zhangzhou. Such as: step up the publicity and raise the whole society's awareness of micro-credit for farmers, improve the the operation mechanism of the rural credit cooperatives'micro-credit in Zhangzhou, strictly regulate the issuance of micro-credit, management innovation, and the establishment of micro-credit protection policies to guide the other capital into the establishment of a multi-level system.