Z Small Farmers Rural Credit Cooperatives Development Of Credit

Rural economy problem is always main bottleneck that impedes our economic sustainable, healthy and rapid development. Since Some opinions of the Central Committee of the Communist Party of China State Council about several policies to promotes the farmer to increase income that the central authorities issued in 2004 becomes the sixth "no.l file" that the central authorities issued after reform and open, the "no.1 file" of continuously seven years all concerns "San-nong" questions. It embodies the strategic thinking and the basic national policy that the central leaderships decide to develop rural economy and increase farmers'income. Today, under the environment of the global financial crisis, Chinese economy rises steadily. At the long period in the future, Chinese economy will maintain a rapid growth situation. Complex and changeable situation and economy rapid growth need leaderships of the financial system make scientific evaluation about economy development trend so as to make a scientific decision-making. Under the new situation, how do rural credit cooperatives play the main role of rural finance and serve "San-nong" effectively? How do rural credit cooperatives play proper contribution in the construction of new socialist countryside? In recent years although the rural small amount loan credit is the quite realistic credit pattern which tries to find out, how are loan demand condition of farmers? How does loan demand of the farmers satisfied situation? All these are an important topic in front of us.Based on the practical work of Z rural credit cooperatives, the article explores development problem of farmers small amount loan and makes some suggestions about development of farmers small amount loan of Z rural credit cooperatives through an empirical analysis of the historical and comparative method. The article includes mainly four parts in the following:The first part, introductory remarks, mainly introduces research's background and the significance of farmers small amount loan, the research mentality, the research technique, and carry on the summary to present situation of the domestic and foreign research. The second part, development and present situation of farmers small amount loan of Z Rural credit cooperative, mainly introduces the small amount credit's definition and the characteristic, producing and development, origin of small amount loan of the Z Rural credit cooperative, scale of small amount loan, existing pattern and characteristic of small amount loan, broad prospect of small amount loan, and that small amount loan has the high quality and the benefit plays the enormous promoter role to the Z economy's development.The third part, the existing question of development of small amount loan of Z Rural credit cooperative, mainly introduces the contradictory of the demand expansion and the insufficient supplies of farmers small amount loan, that existing loan pattern is unable to meet farmers multi-level loan needs, that the cost of existing loan pattern is high, and that the loan risk is big of farmers small amount loan of Z Rural credit cooperative.The fourth part, the countermeasure of speeding up developing farmers small amount loan of the Z rural credit cooperatives, mainly introduces development strategy of farmers small amount loan of Z rural credit cooperatives, innovates development model of farmers small amount loan of Z rural credit cooperatives, consummates risk guard safeguard mechanism of farmers small amount loan of Z rural credit cooperatives, and puts forward the proposal to farmers small amount loan's development of Z rural credit cooperative.