Research On Credit Evaluation System Of Rural Credit Cooperatives In Gansu Province

With Western Development and Benefiting-farmers Policy in these years,rural economy in Gansu province has gained fast development.Its financial demand in rural area also surges.In contrast,plenty of commercial banks targets its business in city,and actively give its rural business up,which exacerbates the scarcity of rural financial resource.In addition,a legacy of deficiency in famers’ credit information,aggravates the difficulty in financial resource allocation in rural area,and consequently retards the rural economy.To some degree,market economy is dependent on credit,and with better credit market,economy can fly with a pair of wings.Our individual credit system and enterprise credit system have gained large progress in the last twenty years,however,due to rural area’s relatively lower developed economy,its credit market is still at its infancy,notably Gansu province.Gansu Province Rural Credit Union,as the largest rural financial institution in Gansu countryside,has become a pillar in establishing rural individual credit system in Gansu province.Mainly through petty credit loan,its credit coverage has reached over eighty percent of the whole province,with various problems emerged in its construction.Researches on rural credit market lay their accentuation on credit system,and none of them address on Rural Credit Union,which is the main or sole player in rural credit market.This article thus lays considerable emphasis on analyzing problems in credit construction at Gansu Rural Credit Cooperatives.To compare it with credit market with domestic eastern provinces,especially rural credit market in Maoming city,it propose some suggestions,for example innovating credit products and increasing credit investigation index,on rural credit construction in Gansu Province Rural Credit Union.