Research On Farmers Microcredit In The Rural Credit Cooperatives Of Harbin

To improve the rural financial system and enhance rural financial supply is always a hot topic of all fields of society. To enhance rural financial supply is not only beneficial to increase farmers’ income and improve living standards, but also to fuel the growth of consumer demand in rural areas. Based on the full supporting for the development of modern agriculture in our city and boosting for the comprehensive reform of two modern agricultural plains, Harbin rural credit cooperatives are the major financial institutions to support economic growth in rural areas. farmers microcredit are a significant means to help peasants to cast off poverty that first appeared in the 1970 s in Bangladesh, playing a not negligible role to solve the financing needs in rural areas. However, most researches on farmers microcredit at home are from the side of farmers emphasizing on national level and provincial level so that this paper from the perspective of rural credit cooperatives studies on the development of farmers microcredit of rural credit cooperatives at city level. Based on the great achievements that farmers microcredit in the rural credit cooperatives in Harbin have gained, it is of theoretical and practical significance to do research on it.Firstly, this paper analyzes micro credits by different scholars in the same field from home and abroad, illustrates the relevant concepts and characteristics of farmers microcredit, and theories about rural finance are put forward as the foundation for the following research. Then this paper describes the present situation of Harbin farmers microcredit of rural credit cooperatives, analyzing some problems in the current development. The following existing problems have been discovered: narrow fund supply channels for farmers microcredit of rural credit cooperatives, default risk diversification for farmers microcredit of rural credit cooperatives, weak innovation capability for farmers microcredit of rural credit cooperatives, bad impression for the service quality and so on. Secondly, on the basis of literature analysis, this paper studies on the factors that influence farmers microcredit of rural credit cooperatives in Harbin by using the method of combing export scoring and analytic hierarchy process. The relevance between financial management level, internal governance level, customer service level, risk assessment level, the regional environmental level and farmers microcredit have been proven based on the rank of index weight from big to small. Besides, this paper applied the method of comparison analysis, on the base of learning advanced experience from other cities, putting forward the inspiration to farmers microcredit of rural credit cooperatives in Harbin. At last, combining the actual conditions of farmers microcredit of rural credit cooperatives in Harbin, the author puts forward the following related countermeasure and suggestions that broaden the sources of loans funding of rural credit cooperatives, improve customers service of microcredit of rural credit cooperatives, strengthen the products innovation of farmers microcredit, set up effective risk prevention mechanism of farmers microcredit and so on.