Research On The Problems And Countermeasures Of Small Loans Of Rural Credit Cooperatives In Jilin Province

In December20,2006, Chinese CBRC issued "on the adjustment of relaxingthe banking institutions in rural areas views access policy, to provide better supportfor the construction of socialist new countryside." In this context, the country’s ruralbanks continue to rise, small loans can be formed. Rural credit cooperativesmicrofinance and China the main force in rural finance, twentieth Century90in theearly1980s, many provinces in our operation,microfinance development is rapid,already became the important force to promote rural economic development, ruralprosperity and stability.In recent years, Jilin Province Rural Credit Cooperatives microfinance businesshas achieved certain results, to speed up the development of rural economy in ourprovince, the farmers loan is difficult, to alleviate the dilution mechanism andincrease the income of farmers and other issues. However, Jilin province is one ofthe developed provinces in our country, rural microfinance development is still notperfect, face can only meet the financial needs of low income part of a lot ofproblems. In this paper, the development and the present situation of the rural creditcooperatives of Jilin province microfinance and other provinces were compared,using a combination of theory and practice, normative analysis and empiricalanalysis, from the supply of rural financial point of view, it first proves theinevitability of rural credit cooperatives to carry out small loans, and then to the ruralcredit. The city agency as an example, on small loans of rural credit cooperatives tocarry out, were studied more in-depth empirical system. Analysis of the rural creditcooperatives to carry out the existing problems and the reasons in the process ofmicro credit, based on this, puts forward some countermeasures and suggestions ofpromoting and regulating the development of micro credit in rural credit cooperatives.This paper consists of6chapters:The first chapter,introduces the research background and significance of thetopic. Because of small loan is a type of business, rural credit cooperatives so, thispart mainly summarized the microfinance of rural credit cooperatives in Jilinprovince.Firstly expounds the definition and characteristics of microfinanceappear.Secondly, by analyzing the data on loans of rural credit cooperatives in JilinProvince in2013analysis,found that development of small business loans is on therise. Finally through the microfinance of rural credit cooperatives Da’an Cityinvestigation, found that many problems of microfinance appear.Chapter3, the problems of rural credit cooperatives in Jilin Province, andanalysis of internal factors and external causes of microfinance problems.Chapter4,Through comparison of Sichuan Province, JiangsuProvince, Hainan Province in the aspect of rural credit cooperativesmicrofinance, draw inspiration this paper cites the Sichuan Province, rural creditcooperatives in Hainan Province, Jiangsu Province, micro lending practices, throughthe comparison of several province of the enlightenment.Chapter5,put forward the Countermeasures for solving the rural creditcooperatives of Jilin province microfinance problem. One is to create a good externaltheory, this includes: perfecting the legal system of microfinance, full play to the roleof government, strengthen the construction of rural financial ecological environment;two is to improve the internal mechanism of rural credit cooperatives microfinanceincludes: introducing Bangladesh Grameen Bank model, the introduction of foreigncapital, improve efficiency, enhance the advantage the credit service insurancesystem.Chapter6, conclusions.