Research On Microfinance Development Countermeasures Of Rural China

China’s rural development has made gratifying achievements, but should not be overlooked; "three rural issues" is still faced with many contradictions and test. In order to better the development of rural, agricultural development, more is to improve the need to rely on the rural financial system, system, and product.Through the study on rural microfinance, and it will be Chinese and combined with the actual situation will help our country to solve the related social problems as poverty, encourage financial institutions to more extensive and in-depth rural areas microfinance. This study also provides suggestions for the relevant departments of the state, so that it can make a more suitable for rural economic development policy, so that farmers get real benefits.Rural micro credit business of Graeme Bank were summarized, trying to find out the principles of success of microcredit services for financial institutions, to explore suitable for rural areas in China from the theory, in the service of the rural microfinance development model. Through the investigation and interview questionnaire, for the problem of Shandong Province, Zibo City, more than 200 farmers participate in the small credit status of the investigation. Farmers in general for the microfinance throughout the service is not satisfactory, or just the general identity. Micro credit repayment period is very short, and does not match with the farmer’s production cycle, so it is urgent to improve. The reason is the subject of rural credit supply obstacles, in the farmer credit demand has also been a farmer own background obstacles, such as loans to farmers background blur and bad credit record, farmers’ economic situation caused by bad loan risk of colleges. From behavioral economics to explain the existence deviation, deviation behavior cognition on constraints, and external financial institutions due to lack of. This paper puts forward countermeasures and suggestions to improve the development of Rural Micro credit. First of all to the transformation of government functions, to create a good macro policy environment; secondly, to improve the internal management mechanism of credit institutions, the implementations of flexible market interest rate policy; and finally to the innovation of rural microfinance business model, effectively promote the "three rural economic stability and development".