Analysis And Calculation Of The Improvement Of Rural Microfinance Mode

At present, China's rural economic development speed is far lower than the city development, urban and rural difference to expand ceaselessly, urban and rural development is not balanced,and the phenomenon is increasingly outstanding. In order to better the construction of new rural areas, narrow the gap between urban and rural areas, to improve and meet the credit needs of effective is instant. At a financial institution's point of view, with experience and a lot of practice, through practical investigation, administrative levels analysis method, on the rural area credit, fund demand for effective analysis and measurement, understanding of rural credit funds form and influencing factors of rural credit capital demand, Scientific analysis of rural microfinance fund demand present situation, development and financial institutions should respond to measure and give aid to policy, improve credit especially microfinance, and strive to achieve not only can improve and meet the majority of rural microfinance fund demand, help the rural financial institutions to increase credit support, truly solve the rural" loans", boost the development of rural economy, but also can promote and accelerate rural financial institution reform aim, ultimately promoting rural financial institutions and "3 farming" common development, achieve "win-win".This paper first defines the concept of micro-credit, which in China introduces the four development stages. Then, using the method of investigation, to Rural Credit Cooperative Of Changyi microfinance development process and current status of research and analysis, and to the current microfinance model was introduced. Using the multi-objective decision analysis and AHP, constructs the rural credit cooperatives microfinance mode performance evaluation system, the index system of financial institutions sustainable, farmer ability to resist risks, credit, credit evaluation, the coverage of national agricultural policy five kind of index and loan interest rates, loan recovery rate, farmer deposit contribution, mechanism of operation cost, credit personnel accounted for, farmer to produce investment, net income of farmer households twenty-seven two kinds of indexes were quantified, analyzed the key factors of performance of the micro credit, then considered the influence degree of the corresponding policy to discuss, combine Changyi Association of agriculture marketing network construction are put forward to improve the small credit model of improving direction and suggestions for improvement, for decision-making offer objective, reliable, true intuitive basis. At the same time point out the problem that remains to study further.