Microfinance Development And Performance Evaluation Research

Rural areas and farmers, agriculture issues has always through the modern market economy in China, and how to deal with the three rural issues has become the important issues that we can not ignore. The sustainable development of China’s market economy can not be separated from the three rural-based support, which the rural financial market development is the key to promote the rapid development of rural economy, so the practice and development of the microfinance business to improve the rural financial market and promote rural economic development to provide a new breakthrough. In recent years, micro-credit business has gradually gone from the non-formal institutions to formal financial institutions, the poverty reduction impact caused by the Chinese government attaches great importance to solve the farmers’ loans and credit cooperatives "hard loan" funds the contradiction between supply and demand, rural credit cooperatives in 1999, a comprehensive pilot and promote micro-credit business, in order to obtain long-term benign and sustainable development, rural microfinance development and their performance evaluation has a strong practical value and practical significance. First described the development status of micro-credit at home and abroad, and in-depth analysis of the micro-credit the regularization development process, and then from the reality of China’s micro-credit and rural financial market development on the supply and demand of Jiaozhou City, Shandong Province of microfinance status quo, through a questionnaire on the local, the actual survey data, the reference measurement model, using correlation analysis and regression analysis method was analyzed and evaluated from a micro-farm level income impact of China’s rural credit cooperatives, farmers micro-credit loans to farmers, the following conclusions:The positive correlation between the micro-credit and farmers’ income, which the agricultural income of farmers and non-farm business income is more significant, the impact of the wage income of farmers show a weak negative effect; microfinance behaves differently for different types of fanner performance, micro-credit subsistence farmers, farm income affect significantly its non-farm operating income impact is not significant; market-oriented farmers, micro-credit to its agricultural income weak negative effect, while its non-farm operating income effect is significant. Finally, from the perspective of rural microcredit long-term sustainable development of appropriate policy recommendations.