Research About Rural Microfinance In Zhaoyuan County In Heilongjiang Province

The18th session of the central committee of the communist party of China,the third plenary session pointed out that urban and rural dual structure is the main obstacle of the integration of urban and rural development. Only through sound system and mechanism, promote agriculture through industry, and formation the new urban-rural relationship of led the country to city, reciprocity of workers and peasants, unify between city and countryside. The vast peasants could equally participant the modernization, share the modernization effort, give more proprietary rights to peasants, to promote the urban and rural elements of equal exchange and public resources equilibrium configuration.In order to realize the development of country, the enhancement of agriculture, the promotion of the rural income, the valid support of monetary market is necessary. An effective financial market could mobilize the deposit adequately, allocate resource reasonably, reduce the risk of fund utilizing, and then drive the development of rural economy, increase the income and living standard. But the shortage of funds in rural financial market restricts the development of the rural economy, hinders the living standard of peasant household and the increase of social benefits. Micro-finance was generated in the1970s, it provides a new thinking in solving the problem of capital shortages, it remits the imbalance between supply and demand in rural financial market, broadens the sources of capital, optimizes the construction of rural finance. But there are many problems in the development of rural micro-finance, it faces great challenge.In this text, the writer introduces the development of rural micro-finance in Zhaoyuan country. From reality, the writer hopes come up with feasibility countermeasures in solving the problems in rural micro-finance. In the base of introducing the correlation concepts and theories, introducing the state-of-the-art and problems practically:the defects of rural micro-finance products, non-canonical operations, the supply and demand imbalance, high risks influence the effective operation. Based on this, the writer utilized the empirical analysis, through building positivism models analyzing the cause. Then combines the successful experiences in other counties in our country. Summarized the countermeasures and suggestions in rural micro-finance in Zhaoyuan county, through designing the products and services in credit instrument, sane systems in credit agencies, completing the credit supply mechanisms, enhancing the quality of farmers and living standard, using operating mechanism managing risk and so on,in order to realize the sustainable development in rural micro-finance in Zhaoyuan county.In this text, the writer used induction and deduction, positive versus normative analysis, qualitative and quantitative and comparative analysis. Summarized the basic conception and theories, analysis and summary the development in rural micro-finance in Zhaoyuan county, in the end the writer proposed the countermeasures and suggestions.