From The Small Loans On The Grass-roots Government In The New Rural Construction

" Three rural issues" is not only a direct from the fundamental impact on China’simplementation of " the four modernizations " process, but also affect the social stability of china.In2005October, the sixteen session of the fifth plenary session was held in Beijing, the meetingput forward the strategic task of building a new socialist countryside. Around this strategic task,China promulgated a series of policies, from the central to the local, also in order to better theconstruction of new socialist countryside struggle. The main body of the construction of newcountryside, and the overwhelming majority of the masses. Microfinance, directly facing themasses, is a kind of itself has poor nature of the financial system, has great significance toimprove the lives of farmers, the construction of new socialist countryside. Since2005, the centralbank and the government’s promotion, microfinance in nationwide sales, plus a few years thisagricultural bank, postal savings bank and various non-governmental micro-credit organizationshave entered the microfinance market, make microfinance has made rapid development,effectively easing the tense situation of rural financial supply and demand. In the process ofmicrofinance into thousands of households, local government also plays an important role. Localgovernment as the government of our country in the last stage, directly facing the grassroots. Itcan provide effective public services for farmers, can create a favorable business environment forthe loan people, can correctly guide the grass-roots reasonable business, directly determines thesuccess of microfinance. Because, microfinance can promote the farmers income, to fan out frompoint to area, promote the development of the local economy, and the economic development of aregion, but also directly determines the quality and speed of new rural construction, the new rural construction and can provide more development opportunities for the local people, the largermarket, which in turn can further promote micro-credit the development of. Microfinance if thedevelopment of good, can and the construction of new countryside constitute a virtuous circle. Inthis circle, to act as a go-between role, is a grass-roots government. However, it now appears,microfinance in China at present there are still some problems, there is the refraction of theproblem is the grass-roots government.In this paper, in order to microfinance perspective, through the analysis of the status ofmicrofinance, and find the existing problems in the local government under the background ofnew socialist countryside, in order to improve our government ruling ability put forward feasiblesuggestions. This paper is divided into four chapters, the specific contents are as follows: the firstchapter, introduction. This chapter introduces the research topic, through elaborating thebackground, purpose and significance, the research ideas, research content is determined. Thesecond chapter, the basic connotation and the related theory. On definition, properties of thischapter from the microfinance and new rural construction, introduces some relevant theoreticalknowledge of microcredit and the construction of new countryside, and lay the foundation for thefuture analysis. The third chapter, microfinance development and reflects the grass-rootsgovernment. The first chapter of the development of micro-credit in recent years has made thesimple description, so that people have a clear understanding of the development of microfinance.Then by analyzing the existing problems of microfinance in China, study on the relationshipbetween these problems and the grass-roots government, looking for local government in theprocess of new rural construction do not in place. For example, the deviation of the understandingof the supervision of microfinance, the disadvantage, grass-roots government must undertake certain responsibility. The fourth chapter, countermeasures to improve the government’s ability toimprove. This chapter is based on the fourth chapter, according to the specific problems proposedin the fourth chapter, from the point of view of system, economy, social aspects, in order toimprove the government’s ability to put forward concrete measures.