Study On The Development Of Rural Microfinance In Feicheng Rural Commercial Bank

In recent years,our country attaches great importance to the development of rural finance,aiming at building a inclusive financial system,allowing ordinary farmers to enjoy financial services,and transforming blood transfusion to poverty alleviation.The Central Committee of the CPC and the State Council called for the rural microfinance as the focus of supporting the development of rural economy.As a kind of rural financial system arrangement,rural microfinance has become a useful supplement to the regular finance.It is beneficial to alleviate the rural capital tension,break the existing financial monopoly pattern in rural areas,cultivate the rural financial market with moderate competition,and improve the efficiency of rural financial service.However,there are still many problems in rural microfinance in China,which seriously restrict the sustainable development of rural microfinance.As the main force to take root in the three rural areas,Feicheng rural commercial bank’s microfinance business for farmers has also been shrinking year by year.How to make the promotion of microcredit in agricultural and commercial banks more smoothly and promote more farmers’ benefits is of theoretical significance and practical guidance.On the basis of summarizing the advanced micro credit experience at home and abroad,this paper,on the basis of summarizing the advanced micro credit experience at home and abroad,analyzes the high cost,low rate of return and unreasonable incentive mechanism in the development of micro credit through the literature and analysis of the demand information of the small credit in the process of the development of Feicheng agricultural and commercial banks,which leads to the employment of credit in Feicheng.Employees who work for small loan business are not active,and customer satisfaction is decreasing.Through the analysis of the data of the survey,this paper finds that the main factors that restrict the application of small loans to farmers in Feicheng are the cumbersome loan procedures and the incompatibility between the loan term and the loan amount and the demand for the production and management of the farmers.Further studies show that there are outlets and institutional advantages of rural commercial banks,but there are also disadvantages such as mismatching of revenue and cost and single loan category.The development opportunity is a good policy environment,the further development of the overall credit environment is poor,the external competition is fierce,the risk control is not in place and the real economy is downbound..The rapid development of microfinance needs not only the improvement of rural commercial banks’ work,but also the support of government policies,so as to create more suitable environment for the development of microfinance.Therefore,from the government level,this paper proposes to adhere to a more flexible market interest rate policy and establish a sound risk compensation mechanism,and strive to create a good credit environment.At the agricultural and commercial level,it is proposed to improve the income,improve the system of risk security,establish a scientific and effective information management system,innovate the variety of loan business and strengthen the science and technology.Support and other suggestions for the smooth development of microfinance in rural commercial banks and the development of Inclusive Finance.