Research On Service "Agriculture、Rural、Peasant" Of Small Loan Company In Heilongjiang Province

The last century,China draw into microfinance from Bangladesh,and began to take a series of attempts to develop the rural financial benefit for the rural and poor population. However,due to the changing financial environment,the effect of the implementation on the rural financial system achieved minimal Because of the scope and intensity.Facing the financial needs of farmers become expanded gradually,further widening urban-rural dichotomy,slowing increase the farmers income and other dilemmas. In2008,China began to establish a pilot microfinance company in the country within five provincial scope,the companys was founded with the central main purpose is to solve the "agriculture、rural、peasant" issues and SME financing difficulties,to meet the financial needs of various groups. The establishment of small loan companies not only meet the needs of farmers and herdsmen diversified loan to accelerate the development of rural economy,but also increase SME financing,regulate and guide private capital to support the people start their own businesses.China began the establishment of pilot companies in the country since the end of2005, According to the latest data in2013,the number of small loan companies reached7839by the end of the fourth quarter,industry personnel’s number reach9.5million,total loans is819.1billion yuan and total new loans is226.8billion yuan,the development of small loan companies in China has already started to form the primary scale. In this situation,In the range of Heilongjiang province launched a pilot microfinance company in December2008and showing a booming trend over the next few years. As the new rural financial system of microcredit organizations,Small loan company solved the financing difficulties of farmers partly,and meet the expanding needs of Status in small business loans,Provided more financial services to the rural economy within the jurisdiction,injected fresh blood to the financial marke in Heilongjiang Province. At the same time,microfinance companies in Heilongjiang Province has many new problems restricting its development when service "agriculture、rural、peasant" since the financial crisis. These issues include the identity of a vague position as lead service "agriculture、rural、peasant" limited effect, the lack of follow-up funding of loans to farmers, loans to farmers during the absence of external regulation,"agriculture、rural、peasant "single and other credit products structure. In order to better promote microfinance company in Heilongjiang Province to serve the "agriculture、rural、 peasant" and SMEs, to study the process of problem is particularly important.Based on the above problems,this paper draw on address the main constraint which existd in the development of microfinance companies in Heilongjiang Province,firstly,sort out some relevant literature from the home and abroad and elaborated some concepts and theories in small loan companies. Seconds,analysis the current situation in Heilongjiang microfinance company which includes the establishment of its institutions,loans and capital quality,made the question in the presence operating of small loan companies.The last is focus on the small loan companies in Heilongjiang Province service"agriculture、rura、peasant"status analysis, according to the last small loan companies problems when service "agriculture、rural、peasant",put forward to effective Suggestions.Specifically microfinance companies improve environment service"agriculture、rural、 peasant" from a macro point of view, Including improving service"agriculture、rural、peasant" loan-related policies, relax and increase government tax policies to support the"agriculture、rural、 peasant" efforts to break the multi-channel"agriculture、rural、peasant"financial problems and so on. Second part is to strengthen microfinance company when service "agriculture、rural、 peasanf"self-construction, Including the improvement of rural microfinance risk control system, improve internal governance structure, accelerate service in the"agriculture、rural、 peasanf"professional talents, and so on. I hope these countermeasures and suggestions can promote the small loan companies when service"agriculture、rural、peasant",steady and development orderly in Heilongjiang Province,and provide multiple levels of financial support to build a better and harmonious Heilongjiang.