Credit Problems And Solutions Of Renshou County Rural Credit Cooperatives Small Farmers

In recent years, rural credit cooperatives farmers microfinance business to become successful operation not only realistic choice for the development of rural credit cooperatives, and the majority of farmers out of poverty to become a magic weapon. However, there are still growing demand for credit funds and limited credit contradiction between capital supply, a single financial services and financial products and diversified, multi-level conflict between the demand for loans as well as the nature of microfinance and rural poverty alleviation credit social conflicts between commercial operation of these three major conflicts, hindering farmers in rural credit cooperatives microfinance business development and growth.Through my years in the County Rural Credit Union grass-roots work practice, continue to do a good job in the rural credit cooperatives microfinance this credit products, increasing the income of the farmers and the rural credit cooperatives efficiency, should change the unreasonable structure of small loans, small loans continue to solve the existing problems in business development, to the real meaning for the sustainable development of agricultural credit agency microcredit products to pave the way to achieve "win-win". This article from the microfinance from the grassroots, interviews on the spot in the data collection, object tracking, making investigation, it was found as a result of many factors from both at home and abroad and constraints, rural credit cooperatives promote microcredit, create credit Township work very unbalance, area difference is huge, some deep-seated contradictions and problems have gradually exposed. Through the rural credit cooperatives farmers microfinance, made over the years in the effectiveness of empirical analysis, the way to solve these contradictions lie in the exploration of science mechanism, according to the difference of regional development of the construction of security system of perfect and provide effective policy support, is the right way to solve the problem.