Research On The Construction Of Rural Credit System In Xishuangbanna Prefecture

The construction of rural credit system is an effective means to alleviate the problems of rural financial market in rural areas such as "difficult loans" in banks and peasant household,and "financing difficulty" of small and medium-sized enterprises.It is also a basic project to promote rural economic and financial development and improve rural social governance.It is the necessary options to promote rural economic and social sustainable and coordinated development.However,on the whole,China's rural credit environment is still weak,the rural credit system construction base is poor,and there are still many non-standard issues,the credit problem is still an important factor hindering the development of rural economy.China's rural credit system construction must to be further established and sound.Based on the theory of incomplete competitive market,rural financial market theory,information asymmetry theory and transaction cost theory,this paper uses the empirical analysis of typical cases to study the strategy of rural credit system construction in Yunnan frontier areas where the minority live.This paper reaserch the construction of rural credit system in Xishuangbanna,to suggest how to solve the problem of agriculture,rural areas and farmers,and enrich the relevant contents of rural credit system construction research,and provide reference methods and models for future generations to carry out relevant research.Through the study found that Xishuangbanna has been achieved good results since 2011 launched the construction of rural credit system officially.However,there still are some external social environment problems and internal factors limit the The construction of rural credit system in Xishuangbanna.The external social environment problems include the weak social credit base,the market legal system is imperfect,the market is not mature,the lack of competition and so on.The internal factors include the lack of rural financial entities in Xishuangbanna,rural financial and ecological environment is poor,difficult to implement the funds,lack of professional personnel.Therefore,there are some problems in rural credit system in Xishuangbanna.Such the legislation of credict is relatively in backward state,the linkage mechanism is limited,the grass-roots government participation is not high,the credit information collection of the farmers is difficult,and the credit barriers are difficult to break.Draw from the successful experience of rural credit system construction at home and abroad,research found that we can strengthen the management of Xishuangbanna rural credit system from the government,financial institutions,small and medium enterprises and farmers.