The Rearch Of Chinese Rural Mocrocredit Development

With the rapid development of the rural economy and the emergence of new countryside construction, China's rural micro-credit for the development of rural finance, agriculture and even the entire national economic development even more important. In China, micro-credit has been carried out for more than 10 years, and has made some of the more successful experience, but because the reality of China's rural areas is more complicated, how to improve the rural financial institutions, to better services for the new rural construction, there are many problems to explore and study.As a solution to the shortage of funds in rural areas, the status of institutional innovation, micro-credit for the majority of low-income groups with a variety of financial services, has opened up a market-economy approach to alleviate poverty, new channels, but also for the comprehensive promotion of China's socialist process of building a new rural and agricultural economic development is also an effective way. In order to meet the new era farmers and rural economic development, the People's Bank and rural credit cooperatives and gradually explore the formation of a set of features suitable for rural micro-credit loans, secured loans and the United Nations family. Small farmer credit management system of rural credit in China.The major reforms, both borrowed from abroad, a reasonable portion of micro-credit, but also closely integrated and rural credit cooperatives in China's rural reality to solve the farmers loans, the promotion of farm incomes will increase and improve the quality of life of farmers played an important role.The implementation of rural micro-credit is a financial innovation, the innovation is relative to the traditional methods and non-formal credit, formal financial institutions usually on credit terms, mainly manifested in the adoption of credit system, organizational systems and financial instruments, etc. innovation, and found one in accordance with market economy rules for the rural poor to provide an effective credit services and micro-credit institutions themselves, while achieving sustainable development in new ways and thus to a certain extent, solve the loans have been troubled by poor farmers face high-risk, High management fees and other issues.The establishment of a special credit for the poor service delivery system, poor people can obtain loans without collateral, access to participation in economic development opportunities. Organizational system of innovation performance in: Constructing the poor based on self-organized system of micro-credit organizations to ensure that micro-credit, according to Zhang and orderly conduct. Innovation of financial instruments reflected in: the provision of small credits to poor farmers, the entire loan-to-zero repay loans and provide financial support beyond the technical training, project consulting services to enable poor farmers to achieve the same time, physical capital and human capital, dual-castCapital. Can see that rural micro-credit in rural areas, the development of rural financial service system to increase the competitiveness of rural finance is conducive to healthy and rapid development, improve the province's rural financial markets.This article first introduces the content and type of micro-credit, followed by analysis of some foreign countries, including Bangladesh, Thailand and other micro-credit development in the successful experience of the last analysis on this basis, I have had the status of the development of micro-credit, there are problems and how to resolve these issues in order to ensure the sustainable development of micro-credit.International experience and China's Practice has proved that micro-credit to help poor people out of poverty is the most important one of the ways. It can effectively solve the financial needs of the farmers production and life, to raise farm income, developing the rural economy has played a positive role. Especially now in our growing urban-rural disparity circumstances, to provide farmers with low interest rates, fewer procedures and better services, loan types, to build a good environment for rural finance, stability, and so the situation in rural areas can play an important role.