Analysis On Supply And Demand Of Farmers' Microcredit In Rural Credit Cooperatives Of Quanzhou City In Fujian Province

The The agriculture in Quanzhou city develops rapidly at present.It occupies the major proportion in the comprehensive economy in Quanzhou city.However,the most farmers in Quanzhou City are lacking in the funds for agricultural development.It is difficult for farmers to obtain the required funds through formal channels because of the lack of collateral assets.The farmers' microcredit of Quanzhou Rural Credit Cooperatives as a new financial product to solve the problem of farmers'funds,its effect is constant.From the current practice,the farmers,microcredit of Quanzhou Rural Credit Cooperatives offers financial support for agricultural development to a certain extent.However,because of lacking brand building,management efficiency,interest rates and so on,there are some problems in the business process.It can not well meet the needs of the local rural economic development and the development of their own business operations.As a starting point,the author discusses the causes of these problems,learns from international advanced experience and puts forward the solution of these problems,which points a road for the development of the farmers' microcredit business of Quanzhou Rural Credit Cooperatives.This paper is divided into eight chapters.The main contents are as follows.The first chapter is the introduction.The author introduces the research background,research purpose,research significance,domestic and foreign research reviews,main contents,main methods and technical route.In the second chapter,the author elaborates the basic theory of farmers,microcredit and introduces in detail the concept of microcredit and farmers' microcredit,and the theoretical basis of the development of farmers' microcredit business.This paper makes clear definitions of the providers,quotas,customers and goals of the farmers' microcredit in the related factors of farmers' microcredit business.The two farmers,microcredit models of the current international mainstream are in detail described in the theory section.In the third chapter,the author introduces the basic situation of Quanzhou Rural Credit Cooperatives and the empirical analysis of the farmers' microcredit business of Quanzhou Rural Credit Cooperatives.And the author introduces the development situation and efficiency of the farmers' microcredit business.The efficiency of farmers' microcredit includes that Quanzhou Rural Credit Cooperatives through the credit infrastructure construction,improvement of the new agricultural loan mode support,and the issue of farmers' loans and keeping growing plays a positive role in promoting the local rural economic.In the fourth chapter,the author makes an empirical analysis on the supply of the farmers' microcredit business of Quanzhou Rural Credit Cooperatives and introduces the supply status and the problems of the supply of the farmers' microcredit.The author draws a conclusion based on the factors influencing the supply of farmers' microcredit from theoretical analysis and empirical analysis.The conclusion includes the promoting of the government policy,default risk affecting the choice of the loan object,imperfect credit system construction,low management efficiency,the lack of reasonable internal incentive constraint mechanism and the lack of a reasonable internal incentive and constraint system.In the fifth chapter,the author introduces the demand status anddraws a conclusion based on the factors of farmers microcredit demand from theoretical analysis and empirical analysis.The conclusion includes:The feasibility and necessity of the promotion of farmers' microcredit business,the major factors of influencing the farmers' microcreditdemand,including interest rate,life of loan,loan limit and so on.In the sixth chapter,the author introduces the development experience and enlightenments of the farmers,microcredit business at home and abroad.First,the author introduces three kinds of successful practices and experience abroad of farmers,microcredit business at present,including Grameen Bank in Bangladesh,the microcredit department of People's Bank of Indonesia and the cooperation model of Village Bank of Uganda.Then the author introduces two kinds of domestic practice and experience of domestic farmers' microcredit business,including the farmers' microcredit business of Rural Credit Cooperatives of Renshou County in Sichuan province and Youngjing County in Gansu Province.And the author concludes where the farmers'microcredit business of Quanzhou Rural Credit Cooperatives should learn according to the successful experience of five kinds of models at home and abroad.In the seventh chapter,the author analyzes the factors of influencing the supply and demand of the microcredit according to the previous chapters and draws a conclusion about the factors:the lacks of government policy,construction of rural financial environment,brand building and market competitiveness,the deficiencies of the farmers'microcredit system and low business efficiency.Then according to the conclusions,the author proposes the countermeasures to the further development of the farmers' microcredit of Quanzhou Rural Credit Cooperatives.First,strengthen the construction of rural financial environment.Second,do a good job in brand building and enhance the market competitiveness.Third,improve farmers' microcredit system.Forth,enrich the channels of capital supply.Fifth,lower appropriately the standard of qualification for a loan.Sixth,increase the government policy support.Seventh,strengthen the internal management of Rural Credit Cooperatives and improve the quality of employees.