Research About Rural Household’s Micro-credit Of TuMoTeZuoQi Rural Credit Cooperatives

It is generally believed by the international community that small-amount credit loans effectively alleviate poverty. Because of the unique features of small-amount credit loans, developing countries have made it an important means of rural financial services in order to solve the problem of poverty. In1993, the small-amount credit loans of Bengali country bank was introduced to China as a concept of alleviating poverty and a unique credit instrument by international aid agencies and national NGO. In this stage, although some progresses was made in terms of poverty alleviation, the development of the organization was limited, and could not continue to provide services for the poor; in2000, with the support of the Government and the People’s Bank, the rural credit cooperatives began to carry out small-amount credit loans, issued "small-amount credit loans" and "farming households loans" and it became a major force of this business.As one of the main business of rural credit cooperatives, small-amount credit loans can not only solve the difficult problem of loans to farmers but also increase farmers’income, promote the industrialization process of agriculture, optimize the rural credit environment and make contribution to establish China’s "New Countryside". Meanwhile, rural credit cooperatives achieves considerable transaction costs and interest income, improves its turnover, and enhances its competitiveness through small-amount credit loans. Through ten years’development, the number and coverage of small-amount credit loans have been greatly improved. However, by reading the relevant literature and field research, it is found that there are some problems that hinder the lending behavior of farmers in the development of small-amount credit loans. In this regard, the paper will analyze the current situation of the supply and demand of rural credit cooperatives in Tumotezuoqi (hereinafter referred to as Tuzuoqi), summarize the problems in its development, and propose appropriate solutions, to help to achieve sustainable development of small-amount credit loans faster and better, to meet the needs of farmers, to increase farmers’ income, to promote local economic development in rural areas, and to contribute to narrow the economic gap between urban and rural areas.