Investigation Report On Microcredit Pilot Operation Status Of Rural Credit Cooperatives In Guyuan County

At the 19 th National Congress of the Communist Party of China,it proposed to implement the strategy of revitalizing the countryside,accelerate the modernization of agriculture and rural areas,develop modest scale operations in various forms,cultivate new types of agricultural management entities,and realize the organic convergence of small farmers and modern agriculture.Guyuan County Rural Credit Cooperatives Association of Hebei Province is actively implementing the deployment of the Hebei Provincial Rural Credit Cooperative on micro-credit pilots,and combines the rich farmer cooperatives and breeding households in Erdaoqu Town,Guyuan County in Guyuan County.Erdaoqu Town set up a microfinance pilot project to boldly innovate the original c?redit model,tried the “Babaozhou” model,and since the trial of “Babaozhou” has solved certain capital requirements for farmers and new-type business owners.By investigating the operation status of the microfinance pilots of the Guyuan Rural Credit Cooperative,the problems were identified,and corresponding countermeasures and suggestions were proposed to help the follow-up implementation and promotion of the microfinance business,assist the agriculture sector,and promote agricultural modernization.This article first analyzes the external environment of the micro-credit pilots at the Guyuan County Rural Credit Cooperatives,and combines the industrial advantages of Erdaoqu Town in Guyuan County and the higher level of peasant organization.Guyuan County Rural Credit Cooperatives Association in Erdaoqu Town,an innovative microfinance model called “Babaozhou”,an analysis of the operation status of microfinance pilots,found that there was insufficient publicity,low efficiency of business operations,weak credit awareness,credit risk,and low loan quality.Problems such as non-standard implementation,non-standard land transfer,and difficulty in the disposal of collateral.Propose initiatives to strengthen the initiative in the operation of micro-credit pilots,increase efforts to implement,strengthen “effective” propaganda,improve efficiency,and improve the rural credit environment,establish risk compensation mechanisms,optimize loan quality,strengthen compliance management,improve trading platforms,establish purchasing and storage mechanisms,and other countermeasures.