Research On The Sustainable Development Of Rural Microcredit Business Of Heyuan

This paper mainly discusses with the theoretical analysis and the case analysis. Thispaper first analyzes the meaning and characteristics of microcredit business, and then clear theconnotation of rural microcredit business. This paper also analyzes the background,thedomestic and international development trend and the mode theory of microcredit business.Heyuan is located in Underdeveloped Areas, the development of microcredit business isrelatively backward, various contradictions appears in its development process is morecomplex, more special. M icrocredit business in rural areas can promote and accelerate theoptimization of the structure of agricultural production, especially in agriculture, forestry,fishery and so on. It is beneficial to accelerate the pace of rural poverty of farmers’ income.Based on the theoretical foundation, through a comprehensive understanding of the actualsituation of Heyuan, author focuses on the main distribution operation situation,thedistribution from2009to2013,the operation mode and the management process ofmicrocredit business in rural areas of Heyuan. On this basis, the author further analyzesinstitutional characteristics between different issuing body,the characteristics of credit riskmanagement and credit supply and demand. Summed up the problems and reasons in thedevelopment of microcredit business in rural areas of Heyuan. Heyuan is located inUnderdeveloped Areas, to realize the sustainable development of microcredit business underthe service of "three agriculture", there will be conducive to the development of the ruraleconomy and increasing farmers’ income.This paper summarized the present situation and theactual operation problems of microcredit business in rural areas of Heyuan, further describedthe the possibility of realizing the sustainable development of microcredit business in ruralareas of Heyuan by using the method of SWOT analysis. Combined with the actual situationof Heyuan and referring to the domestic and foreign development experience, summed up thesuggestions of sustainable development of microcredit business in rural areas of Heyuan.