Study On The Development Of Microfinance In Rural Credit Cooperatives In Henan City Of Luoyang Province

Chinese as the largest developing country in the world, about 60% of the population live in rural areas, the problems of agriculture, rural areas and farmers is always a major issue in the development of national economy and modernization. The central importance of the rural economy to increase the degree of a hitherto unknown height, for six consecutive years, the central document will be the development of agriculture and rural economy as a major priority. Practice has proved that the microfinance can help low-income people improve their lives, especially can provide effective financial support for agriculture development, increasing farmers’ income. But can not be ignored is China microfinance encountered a variety of obstacles in the development process. In this case, the main force of rural finance in Luoyang City, Luoyang rural credit cooperatives in the rural financial support must undertake the main responsibility. Luoyang rural credit cooperatives farmers microfinance operations carried out earlier, the business under the support of local government and the people’s Bank, had in supporting agriculture play great role, largely support the local rural economic development, for rural incomes, agricultural development has made their own contribution. But the due to funding problems, business risk, interest rate and other reasons, the business is in carry out process has encountered some problems, can no longer meet the local economic development in rural areas and its own business development need. Based on this, this article uses the literature analysis method, combined with the field survey, a comprehensive analysis and Study on the problems existing in the current development of rural micro credit business of Luoyang City, and learn from the advanced experience of international microfinance, combined with local characteristics of Luoyang City, put forward the microfinance business of specific measures for the further development of the rural credit cooperatives in Luo Yang City to give full play to the rural credit cooperatives in Luoyang City in Luoyang area main force of rural finance has an important significance. This paper mainly studies the following contents:The first chapter is the introduction, which mainly describes the background and significance of this study, and summarizes the research status at home and abroad. In recent years, the relevant supporting policies for rural micro credit business in China are summarized and analyzed;The second chapter is the research on the theory of peasant household microfinance business. This chapter mainly studies the concept of related theory, and focuses on the theory of sustainable development of micro credit;In the third chapter, the empirical analysis of rural credit cooperatives in Luoyang is carried out. According to the selected sample, the survey of small credit business is conducted;The fourth chapter analyses the problems in the process of the rural credit cooperatives in Luoyang based on the survey results;The fifth chapter puts forward the Countermeasures for the sustainable development of rural credit cooperatives in Luoyang City, according to the problems found in the process of research.The acting contents. The purpose of this paper is to solve the problems existing in development of rural micro credit business in Luoyang Luoyang region the, for the rural micro credit business development advice and suggestions.