Problems And Countermeasures Of Farmers' Microfinance In Keerqin District Of Tongliao City

With the rapid development of economy in our country,the government's vigorously support of new socialist rural construction as well as the advancement of urban and rural integration,so the agriculture occupies the important position in national economy,in some important areas are playing an increasingly important role,such as:to keep the sustainable development of national economy,undertake industry transfer of cities and rural related industrial upgrading.In the international economic downturn,a variety of development under the background of uncertainty,how to improve the problems of rural small quantum lending,to develop the rural economy,increasing farmers income,improve rural infrastructure and upgrading of industrial structure is especially important.And,farmers can also be a potential consumer demand stimulated to lead to the development of rural economy.Some area of Tong Liao district covers a total of 4.818 million mu,with a total planting area of 2.2 million mu,among them,the food crops planting area almost 2.04 million mu.In the total population of 810000,among them,nearly seventy percent belongs to the rural population,have the agricultural registered permanent residence.Tong Liao district's per capital income is relatively in our country is relatively backward status,and some areas in agriculture also didn't realize the modernization of agriculture,technology level backward,and this leads to the gap between the rich and the poor.So,vigorously develop rural finance,realization of agriculture from labor-intensive to capital,technology intensive,in the guidance and promotion of regional agricultural development is of great significance.In Tong Liao district farmers credit mainly adopts qualitative and quantitative combined,the combination of theory and practice and the method of comparative analysis of its research.In Tong Liao district agricultural bank,rural credit cooperatives and other financial institutions to investigation and visit to horqin district have to have a comprehensive understanding and mastering small quantum lending.Through the survey found,with the development of the district,the demand for funds,especially in small quantum load demand presents the increasing trend year by year,but as a result of poor management level,make its not enough to cope with the existing market demand and risk,unable to realize the balance between supply and demand state,underground finance.In combination with previous successful cases as well as the present situation of horqin district,Tong Liao city horqin district research problems of peasant household small quantum load,and find out the cause of the problems,and puts forward corresponding countermeasures,to promote the healthy sustainable development of Tong Liao district farmers small quantum load,and to be used for reference in other parts of the small quantum load development.Through study the problems existing in the Tong Liao district farmers credit,mainly include:insufficient coverage of loan,the loan application is difficult,late payment or defaults and small quantum lending institutions such problems as incomplete management system.According to present situation Tong Liao district economic development and the state of small quantum lending,issued by the related countermeasures put forward countermeasures and Suggestions for its:expand coverage for small quantum lending,to reduce the difficulty of loan application,and standardize the small quantum load supervision system,perfect the management system of small quantum load institutions.To explore a enables the Tong liao district farmers credit to healthy,sustainable development road has the profound theoretical and practical significance.