Research On The Sustainable Development Of Microfinance In Agricultural And Pastoral Areas Under The Background Of Inclusive Finance

After years of development, China's rural and pastoral areas of microfinance in rural areas to promote economic development, to meet the needs of farmers and herdsmen, and improve the rural financial market has achieved remarkable results.With the improvement of the quality of life and the way of production of farmers and herdsmen, the demand for microfinance in rural and pastoral areas is more diversified.Through the study of microfinance supply situation, microfinance institutions in policy support, has helped most of the farmers to improve the quality of life, increase the scale of production, but due to the regional development of China's rural financial market is not balanced, the distribution of financial resources is uneven, disorderly competition, duplication of investment and other financial institutions the financial resources of the market, is not sustainable in today's agricultural and pastoral areas of the microfinance business, it is difficult to construct a reasonable inclusive financial system. Therefore, under the agricultural and pastoral areas of economic and social structure has undergone great changes in the conditions, through the introduction of the specific problems of agricultural and pastoral areas of microfinance, in-depth study of the internal mechanism of sustainable development of microfinance, to establish a perfect inclusive financial system, reasonable and efficient to meet the needs of the economic development of rural areas, it is necessary to enhance agricultural their living standards and promote social development in rural and pastoral areas.This paper combined with the development of agricultural and pastoral areas of Xilinguole Meng microfinance case, analysis of China's current agricultural and pastoral areas of microfinance in the sustainable development of the existing problems, targeted practice gives some development suggestions. The full text is divided into five parts:The first chapter is the introduction, the introduction is mainly to point out the background and significance of this study, and give the reader a general framework for readers to have a comprehensive grasp of this article.The second chapter introduces the relevant theoretical basis of microfinance,mainly expounds the concept of microfinance, information asymmetry theory, the basic theory of transaction costs, as well as micro finance, Inclusive Finance and other related concepts.The third chapter introduces the current situation of the overall development of domestic rural microfinance, analyses the micro credit demand and supply in Xilinguole Meng area, by taking Xilinguole Meng as an example to the inventory of China's rural and pastoral areas of micro credit support for agriculture, animal husbandry development present situation, summarizes the deep-seated problems and characteristics of micro credit supply and demand.The fourth chapter, through the introduction of microfinance sustainable development theory, combined with the successful development of microfinance at home and abroad, and from the macro and micro level, a profound analysis of the deep-seated reasons for microcredit to sustainable development in China.The fifth chapter in the macro and micro level, puts forward the countermeasures and suggestions of sustainable development of microfinance in rural and pastoral areas under the background of Inclusive Finance, through the development of microfinance institutions, ensure inclusive financial system the source of supply, and construction of agricultural and pastoral areas of micro credit guarantee system effectively, ensure the sustainable credit. But also to increase the financial environment of agricultural and pastoral areas, improve the system of agricultural and animal husbandry credit, agricultural and animal husbandry mortgage measures,agricultural insurance system. Finally, we should also increase policy guidance to ensure that microfinance continues to be the construction of agricultural and pastoral areas of the economy, improve the ecological environment of agriculture and animal husbandry.