| Rural credit cooperatives play a huge role in the financial development of rural areas in China,which is the mainstay of the long-term healthy development of rural finance in our country.Rural credit cooperatives will serve as the responsibility and support of the "three rural" service as their development,promote the continuous production of agriculture,raise the income of farmers,and promote the economic development of rural areas and the progress of rural society.Microcredit,mainly located in the service of rural and rural households,is the farmer's business,rural development of important sources of funding channels.With the development of market economy financial market competition continues to intensify,rural credit cooperatives still adhere to the service of rural areas,farmers and agricultural positioning,has been practicing based on the three rural,urban and rural services.With the transformation of the rural economic development mode,the credit cooperatives of the rural loans to the efforts to continue to increase,the support of agriculture and farmers continue to improve the level of service.After decades of development,China's large and small urban and rural areas and villages and towns,have the shadow of rural credit cooperatives,its large and small outlets located in the streets,the farmers continue to solve the small capital needs of rural households.This wide coverage and deep penetration of the development of farmers to solve the rural development of the shortage of funds to promote the development of farmers in rural areas,rural credit cooperatives of the wide range of expansion of large scale,are known as China's financial market to get involved in rural areas The main force of the financial market.However,the rural credit cooperatives because of the development of small loans for a long time,stalls,its development or there are some problems.In this paper,the basic situation of small loans in rural suburban rural credit cooperatives of Zhengzhou City is taken as an example to solve the problems of credit cooperatives in developing small loans to promote the sustained and healthy development of small loan business of credit cooperatives,Continue to maintain the main force in the rural financial markets.Firstly,it analyzes the present situation of rural credit cooperatives in suburbs of Zhengzhou city,including the analysis of the status of microcredit products and the development of existing microfinance loans in Zhengzhou suburb rural credit cooperatives.The product overview is based on the type of loan product,the interest rate of microcredit and the process of microfinance.The development profile is based on the overall loan size,the loan size of each society and the number of loans,the recovery of the loan,Of the risk concentration of the loan to be analyzed.Secondly,it is based on the analysis of the status quo to find the suburban rural credit cooperatives in Zhengzhou City,the issue of small loans,mainly a single type of loan products,loan products,higher interest rates,the loan process is more complex,the degree of electronic loans Lower customer churn,customer manager risk control and lack of marketing capacity,credit system is not sound and so on.Again,for the existing problems to find out the reasons for its emergence,mainly: the target customer structure is single,the implementation of the loan process is not standardized,the surrounding environment changes(such as the replacement of loans to replace the demolition led to the relocation of residents,Source,the new house mortgage his loan),the lower the quality of the client manager.Finally,the following problems are put forward as follows: to change the management concept,to improve the internal management,to strengthen external supervision,to adjust the loan products(such as rich product categories,to determine a reasonable period,reduce lending rates)to simplify the loan procedures to provide Quality service,increase training efforts,improve the credit system,and promote network office. |
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