The Research Of The Peasant Microfinance Of Rural Credit Cooperatives In Neixiang County

Our country is agricultural country since ancient times, agriculture is a top priority for the country, our country rural population accounts for over seventy percent of the total population, rural social development level compared with the city is still relatively weak. Three rural issues is still one of the most difficult to solve the problem of our country, the agriculture, rural areas and farmers problems solution is helpful for our country comprehensive construction well-off society smoothly.Recently this period, Chinese society is an important stage of building a new socialist countryside, urban and rural development in China and the advancement of modern farming requires financial institutions to provide strong support, after years of integrated development of rural financial institutions, has made great progress, the scope of financial service type and the species is increasing, but rural finance is still in the rural reality deficiency, compared to the rural financial development level and city level there is still a large gap.Of rural credit cooperatives is characteristic of its pursuit of interests, along with the change of the market by some rural business scope changing constantly too, once concentrated to the urban development of rural credit cooperatives, for low benefit and development potential in small rural branch network by eliminating gradually, gradually shrinking rural area business, as China’s economy has a new development direction, the Chinese government put forward the financial institutions should increase in rural areas of financial support. Should be based on the current situation of rural credit cooperatives to reposition the situation, want to be in city construction investment funds at the same time, also on the agenda to invest in rural areas, it can not only enhance the scale of the rural credit cooperatives can also realize the social value of rural credit cooperatives. Is put forward in view of the central three rural policy to grasp earnestly, hard service in practice good need loans to farmers, establish rural microfinance business actively, and should be timely to deepen rural financial-services business, set reliable agencies serving agriculture, rural areas and farmers, farmers microcredit is for low income level of farmers money less credit behavior, farmers microcredit five coinsurance, farmers microcredit greatly solve the financing difficulty of rural areas, farmers use loan funds to carry out the agricultural production, increase their income. On this basis, the rural area financial trading environment has changed dramatically, farmers more effective participation of financial activities and farmers financial experience is gradually increased, the rural financial rising social recognition, rural credit cooperatives loan structure more reasonable.In this paper, the Neixiang county rural credit cooperatives farmers microcredit is studied, first introduced the Neixiang county and analyzed the current situation of the development of rural credit cooperatives farmers microcredit Neixiang problems of peasant household microfinance of rural credit cooperatives, and then using the analytic hierarchy process to the influence factors of Neixiang county rural credit cooperatives farmers microcredit is analyzed, finally puts forward the development countermeasures of Neixiang county rural credit cooperatives farmers microcredit. In this paper, based on the characteristics of Neixiang county rural economic development, from Neixiang county, with the current situation of rural credit cooperatives farmers microcredit system comprehensively analyze the whole process of development of peasant household microfinance, in terms of the factors influencing farmers microcredit loans has carried on the exploration, development experience of small farmer credit, at home and abroad for reference to Neixiang county rural credit cooperatives farmers microcredit business future development put forward some reasonable and constructive advice, has important theoretical significance and practical significance.