Study Loans Qinhuangdao City Women Small

In recent years,with the adjustment of agricultural structure and the shift of ruralsurplus labor, the rise of women begin to venture and find job.Status of rural womenare more and more important,and they have been becoming an important force totransfor agricultural development, promote rural economic and ensure farmers’income.However, due to lacking funds for development, employment andentrepreneurship for women are facing great pressure and challenges.The issue of thefile,"The notice on improving financial discount policy of micro-credit to promotewomen’s entrepreneurship and employment ",is a major initiative to promotewomen’s employment and entrepreneurship and human life.It not only points out thedirection of the development of micro-credit for women, but also indirectly enhancesthe ideological and cultural level of women and improves their mentaloutlook.However, current research on women’s micro-credit mostly base on economictheory, discussesing the development model,sustainability,methods of operation andso on,and there is little research combining policy and the reality in thefield.Development of women’s credit is inseparable from reality andimplementation of the policy is also inseparable from the specific praction.Therefore,combined with field development, conducting investigative research has veryimportant theoretical and practical significance.Although since the Hebei provincial government issued detailed rules for theimplementation, Qinhuangdao’s women-guaranteed-micro-credit has realized a hugebreakthrough in such aspects as fiscal interest discountin and the loan coverage,theoverall development situation is not optimistic.Lack of propaganda and policyimplementation, unadjustment of efficiency and justice,loans designed not to meetthe needs of most women borrowers, cumbersome procedures, strict examination andapproval, and the most important thing is not combined with local actualsituation,seriously restrict the development of women guaranteed micro lones.Rural women to apply for a loan is conditioned by many factors, and still it does not matchwith its immediate funding needs, which needs to be further improved and solved.Qinhuangdao in Hebei province was selected as the research object, using thecombination of documentary research and practical investigation, of case study andexperience summary, of qualitative and quantitative methods.Thesis introduces thedevelopment of women’s micro-credit through on-the-spot investigation,analyseswomen’s credit demand by using sampling survey. Based on the empirical andtheoretical, thesis analyses of the main problems of its development and restrictionfactor, and combined with local characteristics innovates out a new pattern ofwomen’s micro-credt meeting the benefit of the whole city.