The Study On Hegang City's Peasant Household Microfinance

The Third Plenary Session of the 18 th CPC Central Committee pointed out main factors restricting the integration of urban and rural development,it isn`t Economic differences. It is not also the difference between urban and rural policy system. But urban and rural two yuan structure led to the lag of rural development in the city. In order to let the farmers to enjoy equal, it needs to increase rural industrial construction, gives farmers more affordable power, we should strive to improve the construction of rural economic system, as far as possible to promote agricultural workers to the city with rural workers and peasants of reciprocity, urban and rural integration.At the same time, if we want to develop the rural economy, improve the overall level of national agriculture, the steady increase in most of the income of farmers, thus reducing the gap between urban and rural areas. It is necessary to have a sound financial market support. Only the perfect financial market, in order to rural economic construction to improve the reform of the rural financial market is the main work to fully mobilize the enthusiasm of farmers, improve the effectiveness of farmers' deposits, to help farmers rational utilization and allocation of resources, thereby reducing the risk of loss of funds in rural areas, and ultimately improve the overall economic improvement of rural. Although the financial market that can effectively set up quickly, but at present most of China's rural financial market system is not perfect, serious shortage of funds, which restricts the effective development of rural financial market to a great extent. In order to solve the bottleneck of rural financial industry, have put forward the solution of microfinance, micro credit is the most consistent with China's national conditions, economic development for rural financial means, which can effectively alleviate the phenomenon of imbalance between supply and demand of rural financial market, and effectively broaden the sources of funding channels. However, in the course of many years of practice, there are still many problems in the implementation process of Rural Micro Credit in rural areas, which is facing a huge challenge.This paper introduces the basic situation of peasant household microfinance in Hegang City, Heilongjiang Province, to explore the problems in small loans of farmers, and to solve these problems, and put forward feasible countermeasures to solve these problems. Based on the related theories on the introduction, the article introduces the demand and supply situation of Hegang rural microfinance, microfinance products found in Hegang City, a single operation process is not standardized, the imbalance between supply and demand, the lack of anti risk problems, these problems seriously affect the effective operation of the small farmers credit. In order to develop and improve rural financial market, improve the enthusiasm of farmers into the rural financial market, strengthen the overall effectiveness of rural microfinance, this paper summed up the improvement of a series of suggestions for Hegang rural microfinance, namely the establishment of the farmers as the core of the diversified microfinance products, the establishment of strict regulation of microcredit operation process, the establishment and perfection of the microfinance supply balance mechanism, the establishment of strict microfinance risk management mechanism, realize the sustainable development of Hegang microfinance.