A Study On The Problems And Countermeasures In Rural Micro-credit Supporting The Development Of "Agriculture,Rural Areas And Farmers"

Micro-credit,also known as "micro-credit",is a new financial system,which is an innovative financial service specially provided for specific target groups.Microfinance was introduced into China in the 1990 s.With the vigorous implementation of the state,the central bank and local banks,the scale of microfinance has been expanding,which has played a great positive role in solving the development of rural industry in China.This paper combines the issues of agriculture,countryside and farmers with the two elements of micro-credit,which is of great significance to solve the problems of micro-credit in Neijiang City in supporting the development of agriculture,countryside and farmers,and to promote the development of local agricultural industry and increase farmers' income.This article adopts the research ideas of the current situation ? problem ?countermeasures,and on the basis of reviewing the development of rural microcredit at home and abroad,combined with the investigation of the micro-credit of the Neijiang branch of the Postal bank,Focusing on the problems existing in the development of micro credit in Neijiang branch supporting agriculture,rural areas and farmers,the paper analyzed the advantages and disadvantages of micro credit in rural areas.This paper analyzes the existing problems in the development of micro credit in Neijiang branch,and puts forward corresponding countermeasures and suggestions.The main contents of this paper are as follows:Firstly,it investigates and analyses the current situation of micro-credit to support the development of agriculture,countryside and farmers.The emergence of micro-credit has injected new blood into China's financial market and played an important role in the reform of rural financial mechanism and rural economic development.With the continuous growth of rural economic market demand,the micro-credit market highlights a broad space for development.This paper focuses on the development status of micro-credit in Neijiang Branch,the development status of "three rural" in Neijiang City and the role of micro-credit in supporting the development of "three rural" in Neijiang Branch.Secondly,it analyses the problems existing in the development of micro-credit support for agriculture,countryside and farmers of Neijiang Branch.Mainly from the product access threshold,the "three rural" market advantage is not obvious,product targeted,inadequate guidance,complex process,difficult loans,uneven quality,productpromotion is limited,risk diversity,rural credit risk can not be effectively controlled,incentive factors are few,micro-credit "three rural" market development efforts are weak and other six aspects of the problem.Describe and analyze the causes,and do a good job of problem-oriented.The countermeasures and suggestions of micro-credit of Neijiang Branch to support the development of agriculture,countryside and farmers are put forward.This paper puts forward operational suggestions from five aspects: improving the mechanism of micro-credit,strengthening the prevention of rural credit risks,strengthening cultural education,improving the quality of salesmen and farmers' cultural level,optimizing product structure,highlighting the characteristics of "serving agriculture,countryside and farmers",increasing incentive factors,and enhancing the market development of micro-credit "agriculture,countryside and farmers".