Dilemma Of Rural Microfinance And Farmers In The Joint

Development of Rural Microfinance is an important means of solving the "three rural" issues. Financing problems of farmers in the agricultural production process is the current process of overall well-off society in the show out of focus. The microfinance as a new and innovative financial body, supplemented rural financial system has improved constantly when played an important role in the efficiency of small loans, the healthy development of rural areas as a whole will play a role in promoting economic development, such as improving farmers' production conditions, and improve farmers' income and the like. After the emergence of small loans, the new mode of operation well positioned to meet the funding needs of most low-income groups, has great market space for development. Late development of small loans, has made some achievements, but our country is still at the initial small loans, exploratory stage, there are many difficulties and challenges, and that some of the difficulties affecting the ongoing operations of the lending institutions, such as the specific interest of small loans, Loan time, small loans specifically single product structure and "credit-only does not exist" leads to lenders and low profitability.As an important measure to solve the farmers' loans, rural finance development issues, micro-credit loans by the widespread concern in the community. With the Farmers' demand for funds increases, to increase the number of loans, small farmer loans increased traffic between institutions and farmers, there is a contradiction between the two is becoming increasingly evident. Itwould be a problem,which is abouthow to resolve these contradictions scientific, and to avoid these risks, Based on the economic situation after situation Long Nan City West and North County Village was questionnaire analysis, distribution and post-lending loans from three aspects of Long Nan City West and North County Village farmer credit process and North Village villagers get the actual credit situation, and finally the actual local situation, proposed for Long Nan City West and North County Village resolve small farmers lenders and farmers contradiction docking process, risk control of several measures recommended.In this paper, the specific structure composed mainly by the following aspects: First, in the first paragraph of the article describes the main findings of the main difficulties in the background, purpose, significance and scholar papers for small loans with farmers docking process exist at the same time It is explained on research methods. The second section of the article describes the main theories of microfinance definition, features, and referred to herein. The third part of the article several typical small loans patterns were analyzed, and then the current development of small loan elaborate explanation. The fourth chapter analyzes the reasons for the North Village location, questionnaire design and organization and implementation. Then the fifth and sixth chapters based on the comparative analysis of the collected questionnaires drawn current North Village Rural Microfinance and the plight of farmers in the docking process. Finally, appropriate policy recommendations.