Research On The Construction Of YN Rural Credit Cooperatives 'Service System Based On Farmer' S Credit Demand

The comprehensive construction well-off society, realizing common prosperity isthe party’s "Sixteen big" report of the goal, the party’s "big eighteen" report furtherexplicitly put forward the two "one hundred years" goal. in the new China wasfounded100years built a prosperous, democratic, civilized, harmonious modernsocialist country. To achieve national prosperity and rejuvenation, the happiness ofthe people,"China dream" the most arduous, the most arduous task in the rural areas,the most fundamental foothold lies in the farmers, the most fundamental way is toincrease the income of farmers, the development of the "three rural" economy.Finance as an important part of economy, development speed, the scale and efficiencyof Finance determines the speed of development, economies of scale and efficiency.Rural credit cooperative is an important part of the rural economy, plays an importantrole in supporting rural economic development. However, the current situation ofrural finance is the farmers because of the money demand amount is small and thelack of credit collateral to obtain loans, credit cooperatives, rural credit cooperativesin the total supply and demand imbalance, the structure of dislocation.In this paper, the basic perspective of building a new socialist countryside basedon, in order to promote the deepening the reform of rural financial system,standardize the development of features suitable for rural financial organizations andimprove rural financial services, rural credit demand characteristics of the servicesystem of yunnan rural credit cooperatives construction based on study, explore theestablishment of socialist market economy under the conditions of rural financialservices, and the use of standardized research, theory and practice of combiningresearch methods, analysis of the status and characteristics of the demand of creditfunds of Yunnan farmers, and reveals the yunnan rural credit cooperatives supplybottlenecks, seek the way to solve these bottlenecks fundamentally. This paper iscomposed of six chapters:The first chapter, introduction, mainly introduces the research question andbackground, goals and ideas, content and structure, methods and data; the second chapter, theoretical and conceptual framework, mainly summarized the basic contentof the financial organization theory and the theory of rural financial development, therural credit cooperatives related concept and target; the third chapter, analysis ofYunnan farmers credit demand, mainly from two aspects of theory and empiricalanalysis of the characteristics and origin of the farmers’ demand for credit; the fourthchapter, analysis of present situation and problems of the supply of rural credit agency,analyzed the current situation, problems and the causes of the current yunnan ruralcredit cooperatives by the method of statistical analysis; the fifth chapter, domesticand foreign financial service for the construction of service system of enlightenmentyunnan rural credit cooperatives; the sixth chapter, conclusions and policyrecommendations, the analysis and discussion of the above make a brief summary,and put forward feasible suggestions on how to construct the service system ofyunnan rural credit cooperatives.