Research On Innovation Of Microfinance Credit Service Model In Laiwu Banking Industry

Since the start of the pilot reform of rural credit cooperatives in 2003,in the correct leadership of the Party Central Committee and the State Council,a new round of rural financial reform steadily,fiscal,monetary and credit policy regulation,combining positive incentive policy support system gradually formed,and gradually improve the rural financial system,rural financial service innovation constantly,speeding up infrastructure construction the rural financial infrastructure,improve the level of rural financial services.In recent years,Laiwu banking industry to support the revitalization of industry upgrading,promote local economic development as the focus,as in the past to support the city's "three rural",individual industrial and commercial households,small and micro enterprises,focusing on industrial projects and the development of the real economy,to help farmers to create enterprise brand,and play a major role in rural finance.However,with the continuous reform of Internet Finance and interest rate marketization in recent years,the advantage of Laiwu's banking microfinance has been gradually lost and upward development has encountered some resistance.I am in school knowledge as the foundation,combined with agricultural firms in Laiwu during the work experience,through literature research,case studies and comparative analysis methods,in-depth study of Laiwu banking small agricultural credit innovation,promote the Laiwu banking industry to achieve innovation and development of small agricultural credit industry,make Laiwu city banks better the play services Agriculture,support for rural financial reform in Laiwu's role.This paper first studies the innovation theory,the theory of financial innovation,the theory of credit and credit innovation and other related theories,and lays a theoretical foundation for this article.Then we make a comprehensive analysis of the current situation of microfinance in Laiwu,and analyze its operation mechanism,management process,supply and demand.On this basis,the analysis of the problem of small credit in Laiwu is carried out,and the existing problems are analyzed from the three aspects of the supply,demand and external aspects of micro credit in Laiwu banking industry.Thirdly,it analyses the experience of micro agricultural credit at home and abroad,mainly analyzes the experience of micro agricultural credit in Indonesia,Malaysia,Bangladesh and other countries,such as Qinghai and Gansu,and gets some related revelations.Finally,it puts forward the types and ways of the innovation of small agricultural credit in Laiwu banking industry,mainly the innovation of credit products,guarantee mode,service mode pricing mode and so on.Finally,it is the conclusion and policy suggestions.