Study On The Problems And Countermeasures In The Operation Of Rural Micro-credit Risk Compensation Fund

China is a large agricultural country,the issue of“three agricultures”has always been great emphasized by the whole nation.While,problem of financing difficulty,funds shortfall,and loan repayment difficulty,has been one of the major obstacles constraint to rural economic development.For this reason,China strives to develop rural micro-credit business,to ensure capital supply of agricultural industry,and improve farmer income,and to shorten wealth gap between town and village.But up to now,there are many problems existing in rural micro-credit business,and problem of agricultural capital continuously does not improve.The appearance of risk compensation fund relating to rural micro-credit can perfectly solve some challenges like rural loan repayment is difficult,and agricultural industry can not be continued.This paper focuses on the issue of rural micro-credit,and takes current situation of risk compensation fund relating to rural micro-credit as cutting point,to comprehensively investigate development status of risk compensation fund relating to rural micro-credit,meanwhile,the paper illustrates connotation and characteristics of risk compensation fund relating to rural micro-credit,and systemically analyzes and summaries problems existing in rural micro-credit.In addition,it integrally explores obstacles of risk compensation funds encountered during actual operation by combining with the case that risk compensation funds helps farmer to culture prawn in Nali town,Qinzhou city,Guangxi province,and then sums up relative experiences,in the end,it proposes new mode and strategies of risk compensation funds that is suitable for rural China.Only earnestly carry out the construction of risk compensation funds relating to rural micro-credit,conduct mutual help and interaction between farmers and enterprises,can that more farmers enjoy micro-credit supply,which forms a more fair,just,open,and transparent risk compensation funds system relating to rural micro-credit,and assists rural economy to develop in a healthy and sustainable way.