Analysis On The Problems And Countermeasures Of Rural Microfinance In China

China is a large agricultural country, it is a predominantly rural country, according to incomplete statistics, China the vast majority of the rural population have a life of poverty, the poor account for20percent of China’s total population around. How to increase the income of farmers has become China’s first concern in recent years, the State Council regarded agriculture, rural areas and farmers issues first, rich fanners, the majority of our people will be blessed. So, how to solve this problem, how to increase the income of farmers is to solve China’s "Three Rural Issues" key.1999, by the People’s Bank of China raised and guidance, rural micro-lending business after a period of exploration and promotion, but also made some achievements. While abroad has been exploring and developing rural micro-credit business, so both domestic and international experience shows that want to develop the "three rural" we must develop its microfinance, because the development of the economy, so that farmers hid their money before the key is to solve the problem. But as of today, China’s rural microfinance many problems still exist, for example, a single microfinance institutions, insufficient funds, and also accompanied by high risk, difficult to manage, fewer personnel, service is not in place, plus loans institutional deficiencies, such as low interest rates, loan terms, lack of effective supervision and management. Microfinance can go on a healthy and sustainable development must be addressed such issues. Therefore, this paper analyzes the current situation and domestic microfinance issues, put forward the corresponding countermeasures.