Research On Rural Microfinance In Dongguan City, Guangdong Province

Since the reform and opening up,the government attaches great importance to the problem of "agriculture,countryside,farmer" "three agriculture".The promotion of agricultural production,development of the rural economy,increases the farmer to solve the "three rural" core.Finance is the core of modern economy,the capital is the economic development of the "blood".The rural finance is an important guarantee to promote the development of agriculture and rural areas,increasing farmers' income.With the industrialization,city of further promoting the development of agriculture and rural areas,China is in an important period of transition from traditional agriculture to modern agriculture,the countryside various subject in great demand of the fund,but the financial supply often stretched.The domestic and foreign theoretical research and practice show that the rural micro credit is an important financial support for its economic agriculture rural areas and farmers to get rich.Our country in the late of last century,China's rural financial innovation,the people's Bank of China(central bank)to the rural credit cooperativesas the main body,the implementation of Rural Micro Credit business.After nearly 20 years,the rural micro credit business achieved certain results.Many countries in the world to popularize the rural micro credit,developing countries in Asia and Africa,Latin America,there is also the United States and other developed countries.China's Rural Micro Credit and international rural microfinance flourish comparison,credit gap is large,has become the weak link of the financial reform.Eighteen put forward three agricultural problems of the party is thestrategic thought of "priority",to industrialization,informatization,urbanization,agricultural modernization "four modernizations" synchronous development,actively promote the rural financial innovation,enhance the development potential of modern agriculture.Rural microfinance is the proper meaning of rural financial innovation.Therefore,it is necessary to conduct in-depth study of Rural Micro credit.This paper firstly expounds the basic theory of rural micro credit,and then to Guangdong city of Dongguan Province as the research sample for empirical analysis.Then analysis of the domestic and foreign rural microfinance practice and experience,and finally put forward the development direction and the goal pattern of the rural microfinance has Guangdong Dongguan characteristics,to provide some practical suggestions and Countermeasures for the government and the relevant functional departments of practical work mechanism of decision-making.