Research On Agriculture Related Credit Of Micro-credit Companies In Tai'an

Since the pilot project of Tai'an micro-credit company was launched in 2008,its development has grown from scratch,from small to large.Up to now,it has begun to take shape.Micro-credit companies are gradually entering Tai'an City's vision of financial support for the real economy.According to the statistical data over the years,the proportion of the scale of agricultural loans of Tai'an micro-credit company in various types of loans gradually decreases,which is mainly manifested in the following aspects: the volume of agricultural credit business declines sharply,the signs of regression of agricultural marketing are obvious;the overall scale of farmers has a downward trend,although the depth of coverage of agricultural loans has increased.However,the average household size is still large;the proportion of agricultural loans is not high,and there is a downward trend year by year;the overall number of agricultural customers is not ideal,the effect of service in the agricultural field is not good.At the same time,the statistics also found some highlights of Tai'an micro-credit company,such as the high proportion of peasant households and the prominent performance of the agricultural loan coverage index.In the first two quarters of this year,Tai'an micro-credit company's loan and agricultural loan coverage were better than the average level of the province,and showed a higher proportion of peasant households.Benign growth trend,etc.From the point of view of the benefits of micro-credit companies' agricultural-related credit,their agricultural-related loan business can play a positive role on the basis of a reasonable combination of the agricultural industry and the cycle of agricultural activities.This paper makes reference to financial suppression theory,micro-credit mission drift theory,incomplete competition market theory,and through relevant data,statistics and analysis of literature,combined with questionnaires,field discussions and research methods.This paper combs and summarizes the situation of micro-credit companies in Tai'an City in the overall business and the development of agriculture-related business.With the focus on agricultural business,the data of the relevant indicators of micro-credit companies are compared by graph and graph,and the problems in the effect of micro-credit companies in supporting agriculture are analyzed and summarized.At the same time,the paper quantitatively analyzes the positive role of micro-credit companies in promoting the increase of income of agricultural clients based on the profit situation of agricultural clients investigated in the field,and then combines the actual situation in Tai'an City.This paper puts forward the suggestions of improving the service system for agriculture and relaxing the policy environment for micro-credit companies to support agriculture.Multi-pronged,improve the "three farmers" marketing effect;Adhere to the direction of "small business" and keep close contact with agricultural business.According to local conditions,improve the awareness of the rural market and attach importance to the micro-credit industry,and promote micro-credit s to support the "three farmers";Let the "rate" three farmers help the development of agriculture;Integration of information resources to promote information sharing among farmers;Establishing and improving the rural property rights transfer mechanism;We will improve the coordination services for micro-credit s for agriculture,rural areas and farmers,with a view to providing some valuable references to the financial support of micro-credit companies in Tai'an for rural development and the improvement of credit access for farmers and agricultural enterprises,so as to solve the financing bottleneck for agriculture,rural areas and farmers.Make up "agriculture,rural areas and farmers" financing short board,realize rural economy and rural finance virtuous circle contribution beneficial suggestion.