Countermeasures To Promote The Development Of Daying County Farmers Microcredit

"Three Rural Issues" is one of the important issues which related to the overall national economy, and the development of agricultural production, increasing farmers’ income has been the play involving much singing and action in our country rural economic work. However, the weak foundation of our agriculture and the slow development of rural economy cause the income gap between urban and rural areas, as well as regional development disharmony. So the development of rural economy cannot leave the capital, which becomes the key to solve the problem. The rural microfinance, as a kind of innovation of rural financial system in China, aims at providing a small credit for the low-income people in the rural areas, which has achieved very good results, including helping the farmers out of poverty, regulating the behavior of nongovernmental financial institutions credit, and gradually improving the rural financial market system. However, the development of rural microfinance in China is also facing some problems that needed to be resolve, such as insufficient financial unsustainability, Lack of financial innovation, low level of management and personnel quality, lack of risk control and so on. If this kind of problem cannot be solving timely and effectively, they will not only influence the development of Chinese rural economy and rural social stability, but also will affect the construction of socialist harmonious society of our country.In micro credit to farmers on the basis of relevant theories, through field visits to investigate, from farmers borrowing sources, household borrowing amount, farmers expect to obtain loans in the period, the credit needs of farmers get response, farmer’s satisfaction of borrowing, borrowing behavior of Rural Households by way of security, farmers to repay loan characteristics etc. aspects of rural farmers in Daying County of Daying County farmers microfinance. Through the questionnaire survey, found thatthere are many problems in microfinance in Daying County farmers. Such as: farmers microfinance products system design flaws, farmers microfinance institutions internal management mechanism is not perfect, rural credit system is not perfect, government function is not clear and the supervision on the missing.This paper combined with the relevant theoretical analysis and empirical analysis, aiming at the problem of Daying County farmers microfinance, puts forward the relevant policy recommendations. Are as follows:constructed with localized characteristics of the rural micro credit service system, and establish a sound system of peasant household microfinance credit, establish and perfect the peasant household microfinance risk security mechanism, establish standard peasant household microfinance legal system, strengthen the supervision mechanism, the transformation of government functions, strengthen the government supervision.