"Period Loan-pity Goods Game\" Of The\" Sunshine Credit\" Perfect Research

"Sunshine credit" is to point to a bank loan survey, the customer credit, pricing, operation process and public commitment the whole social the public service in the effective supervision and bank, let customer to understand the offices of the bank loan process, and at the same time make Banks know the customer management status, enhance mutual trust and the silver guest a new way of loan. The sun for the rural farmers to obtain a variety of credit of the property of the opportunities and ability, improve the welfare of the poor user level will reflect its contribution to slow poverty, reflecting the important meaning; For the survival of the way for farmers to provide the necessary funds, for its own development. The pilot is a credit beginning, it has a very important significance:one is to help the countryside interest rate marketization reform, make capital "the price" and risk, earnings match, is to establish the rural financial market mechanism and conditions of the mark;2it is to promote the rural financial market competition; Three is to find the way out of private financial.In this study SiHong jiangsu province as the research point of rural credit cooperatives, expect to loan survey of households by knowledge and understanding of their loan payments, reason, and will in the process of cash, may encounter problems are analyzed, with credit to process can affect reimbursement intend to the factors of collect, sunshine that credit for rural development financial institution the necessity of the development of credit cooperatives in "sunshine credit" different operational details, of farmers and cooperatives in docking process occurs contradiction to analyze, to the above research conclusion, based on the perspective of solving contradiction to reasonable Suggestions.