Study On The Small Loan Of Huinong Bank

Studies on the Development of Farmer Microfinance of Huinong Baoshang BANK.It is a concern thing that "Three Rural" issue is a hot issue in recent years.The key of the "three rural " issue is to increase farmers’ income, improve their living standards and change rural environment.Rural microfinance is a new poverty alleviation means. Through constantly thinking and innovation, it becomes the fruits of the traditional tool for poverty alleviation, and its emergence and development have provided some indispensable and positive ways to solve the problem of the "three rural".From2005to now, farmers microfinance business of Harbin bank obtains good result. It is an important significant to the development of rural microfinance in Inner Mongolia Province.Firstly, according to the general theory of microfinance in rural areas, this paper describes the basic concepts and features of the microfinance in rural areas,and base on it, introduces the meaning and characteristics for the sustainable development of rural microfinance, related finance theory. These are to do the support for the rest of article. Secondly, introduce the Huinong Baoshang Bank as well as the problems with its farmer microfinance development, and analyses the cause of problems. The analysis found that the problems of the farmers of Huinong Baoshang Bank microfinance in the developing range of services is too large, the institutions and personnel are relatively insufficient; small credit limit, it is difficult to meet the actual needs of customers; short term of the loan, the credit funds not fully utilized innovative service products; use of the loans are inconsistent with the actual use collection there are some difficulties.The reasons for these problems both internal and external.Then the A District, Baotou City, for example, the practical implications of Huinong Baoshang Bank of fanners small loans for farmers to increase the empirical analysis showing that, Huinong Baoshang Bank of fanners small loans business in the development of the existence of some questions, but it is the farmers’ income does play a very important positive role.Finally, through the introduction of other developed provinces in China’s rural microfinance business development summarizes the development experience, and analysis of its revelation of Huinong Baoshang Bank farmers microfinance.On this basis, the Harbin Bank farmers microfinance previously existing problems in the development of proposed countermeasures and suggestions.Reading a lot of references in the research process, the paper synthetically uses comparative analysis method, empirical analysis method and normative analysis method. I summarize the basic concepts and theories of rural microfinance areas.The development of the Huinong Baoshang Bank farmer microfinance were analyzed and summarized, and finally given some development advices. For Huinong Baoshang Bank and other city commercial banks in China, it is useful and significant to carry out microfinance business.