Shaanxi Province Qianyang Rural Credit Problems And Development Of Countermeasures

In recent years, the problem about agriculture, ruralareas and peasantry has become the focus of attention of the whole society. To solve this problem, increase capital investment in rural areas is very important. Building an efficient rural credit system is an important way to promote the rural capital flow. This paper choose Qianyang County as a typical, through research the rural credit problems and the countermeasures to explore the right direction.Paper based on the theoretical analysis of existing research results, and then empirically analyze the rural credit profile of Qianyang County.Through the grey relational analysis of rural credit development and rural economic growth of Qianyang County, shows that the development of credit for rural has significant influence to the first industrial development in rural areas, increase farmers income and development of rural enterprises, increasing rural credit could be effective in promoting rural economic development. On this basis, the paper use the detailed survey data on rural credit for the supply and demand analysis and use the"dissecting a sparrow"approach, dividing the analysis into credit demand of farmers, credit demand of rural enterprises, credit supply of farmers and credit supply of rural enterprises, using a lot of original data, summarized the credit supply and demand characteristics of the small agriculture county in Western.Based on the analysis above, combined with the practical standards of regional credit evaluation, the paper identified the Qianyang rural credit problems in adaptability, efficiency and completeness, and analyze the root causes of these problems. The results show that these issues not only influence Qianyang County, but also restricting the development of China's rural credit.To solve the above problems, take lessons from the United States, Japan, Brazil, Britain, Bangladesh's sccessful experiences in the cooperative credit, commercial credit and policy credit, puts forward policies and measures from rural credit system construction, rural credit scale and pattern. Qianyang County should establish a sound credit system, optimize the financing mode of operation, and through a variety of ways to promote inflow of funds, while speeding the pace of reform of rural credit cooperatives. The State should take measures to provide support in legislative, regulatory, etc. Finally, the research of rural credit of Qianyang County bring some enlightenment to our country, clearing the basic principles and the development path our country should be chosen.