Research On The Status Quo And Countermeasures Of Rural Financial Micro Credit In Putian

Since the establishment of the new China to the "three rural issues" which is highly concerned, the agriculture as the foundation of national development, for national survival and stable development escorts the emperor convoy. In recent years, along with our country economy development continuously upgrade the level of China’s economic development, enhance the quality, the structure of economic development in China is also changing. In this trend, China’s agricultural foundation is weak, the rural development slow gradually exposed, caused the income gap between urban and rural areas significantly and gradually widening. Therefore, if we want to solve the problem of rural economic development, we must have sufficient financial support services, to provide adequate funding for rural economic development. As an innovation of financial system of microfinance, provides a practical and feasible financial support for rural economic development. Rural financial microfinance provides small amount credit services for low-income groups in rural areas, the basic start-up funding so that farmers have adjust the mode of economic development and income structure, help farmers through a variety of business to take off deficient to become rich. At the same time, the Rural Micro Credit in order to improve the rural financial system, and made outstanding contribution to regulate the development of folk finance. However, due to China’s financial system itself and the problems existing in the construction of China’s rural finance, microfinance started late, in the development process gradually exposed some problems, such as the fast development of rural economy demand for capital increase gradually, microfinance loan amount and the actual demand contradiction; agricultural high risk and low profit the characteristics, causes the rural funds outflow of funds to maintain the capacity is not high, serious; microfinance institutions management level and risk control ability is not high, the problem of credit service level low, lagging and strong. These problems directly affect the ability of rural financial development of micro credit quality and institutions, has an important influence on the construction of rural credit market stability and the socialist harmonious society in our country. Therefore, this paper studies the current situation of Putian City, the rural financial microfinance, found the useful experience of Putian City, the rural finance of microfinance and the insufficiency, provides the measures to consummate the system construction of Putian city and even the national rural financial microfinance.This paper is divided into four parts. The first part is the introduction, mainly introduces the purpose and significance of this study, the domestic and foreign rural financial microfinance research status, research methods and innovative points of this paper. The second part is the basic theory and characteristics of microfinance, introduces the basic characteristics of micro credit generating background and basic theory, introduced the development trend of carding, microfinance and mode of operation. The third part is the present situation of microfinance development in Putian and the existing problems, introduces Putian city rural financial microfinance process, found the city of Putian in microfinance problem and the case to analyze the existing problems, analyzes the reasons of existing problems. The fourth part is the development of rural credit cooperatives Putian City microfinance policy recommendations put forward to perfect the rural finance, microfinance institution of China from policy support, optimize rural financial ecological environment and strengthen the self construction of the rural credit cooperatives.