| Our country and Party ,especially the leading groups of this term,have been focusing their attention on the issues concerning agriculture,rural areas and farmers.On February 8th,2004 the Party Central Committee once again took the issues of agriculture,rural areas as No.1 document ,Advice About the Policy of Accelerrating the Farmers' Income by the State Council of the Central Committee of the CPC,and released it to the public. The document gave a full expression of the strategic ideas and the basic policy of the leaders in this term to develop the rural economy and accelerate the farmers' income.To follow the spirit of the document,to accelerate the farmers' income and to bring the financial support into full role,there must be a credit suitable to the actual situation of our rural areas.The petty loan on credit for the farming household,which has been carried out since the second half of 1999,is the best one that is keeping with household contract responsibility system being practised in our countryside.Under this situation,the study of the credit can not only enrich its theoretical connotation,burt also direct the practice through the unceasing study.It is also ,realistically, of great importance to the returning of the rural capital,to the development of the rural economy,to the acceleration of the farmers' income and to the adding of more economic benefit to the rural credit cooperative.The text has five parts. Part I The study of its system . I present you the origin of the petty loan and the system of the petty loan on credit for the farming household in our countryside.I compare the similarities and differences of the petty loan on credit both in China and abroad so that I can extract the enlightment to our petty loan on credit from the successful experiences of the foreign countries' Part II The study of its policy. In my study,I drew the conclusion that the petty loan on credit is policy.But, strictly ,it is not a conclusion of a policy loan because it is the rural credit cooperative that hands out and manages it. Part III The study of its feasibility. First I ,with SWOT, made a study of its feasibility,then I,with the living examples, made an analysis of continuity. Part IV The review of its development and the study of the problem. First I looked back on its popularization in recent years in our country and how it has been working.,then I summed up the achievements. Part V The study of the way to deal with the problems.In view of the above problems,I raise the revelant ways in the following respects:the system frame of the petty loan on credit for the farming household,the social enviorenment,the financial consciousness,the enviorenment of the legal system,the reform of the rural credit cooperatives,the internal control of the petty loan on credit for the farming household,the mechanisms of the supervision and the compensation. My main standpoints are : 1.The popularization of the petty loan on credit for the farming household should draw from the successful experiences of the foreign countries'.2.When we popularize the petty loan on credit for the farming household,we should pay close attention to our country's policy as well as hold on to our own principle.Only when we carry it out on the basis of the internal law of the market economy to keep its development going on ,can we attain these aims:the development of the rural economy,the acceleration of the farmer's income and the adding of more economic benefit to the rural credit cooperatives.3.The handout of the petty loan on credit for the farming household should be combined with the system of the rural credit cooperatives.4.The petty loan on credit for the farming household ,systematically,has shortcomings to be perfected soon.5.The compensatory mechanism of the petty loan on credit for the farming household is not a barrier to its popularization and development.The relevant departments,in accordance with its actual situation of the rural credit cooperatives,will g... |
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