Research On The Development Of Rural Micro-credit In Jilin Province

Along with the rural urbanization in our country to promote and gradually improve the financial system,rural finance plays a very important role,and rural microfinance as a poverty alleviation mechanism and the effective integration of traditional financial pattern,after more than 20 years of development in our country,has been considered to be an indispensable part of the new type of rural financial market,in improving rural financial services,increasing rural credit supply and promote the economic development of poor areas to show the important role.As the main battlefield of the problems of "agriculture,rural areas and farmers" in China,the development of rural microfinance in jilin province is related to the solution of the problems of agriculture,rural areas and farmers in China.Therefore,it is essential to study the development of rural microfinance in jilin province.Although the jilin province since the implementation of microfinance,in promoting the development of rural economy has played a positive role,but still exist in the operation,such as poor credit environment,problems such as lack of government functions,and is limited by its own business and policy environment and other aspects,road for the sustainable development of rural microfinance is still tough,"he said.It is of great theoretical and practical significance for the rural economic and social development of jilin province to study how to make the vast number of farmers enjoy the welfare brought by the national financial reform and solve the problems in the development of rural microfinance.This paper focuses on the development of rural microfinance in jilin province to study,and strive to improve its deficiencies in the development.Firstly,the background and significance of microfinance are elaborated,and the domestic and foreign research literature is summarized.Secondly,this paper introduces the related concepts of microfinance and the theories based on agricultural credit subsidy theory,rural financial market theory,imperfect competitive market theory and inclusive finance theory,so as to provide theoretical support for the research on the development of rural microfinance in jilin province.Third,from the supply and demand of rural microfinance in jilin province to explain the current situation of development,there is a serious shortage of supply and demand.Fourth,it reveals that there are problems in the development process of rural microfinance in jilin province,such as imperfect risk prevention mechanism,difficulty in implementing preferential interest rate policies,and lack of innovation in credit products.The main reasons include poor rural credit environment in jilin province,dereliction of duty by functional departments of the government,and limitations of microfinance institutions themselves.Fifth,the paper analyzes the typical domestic and foreign microcredit operation mode,and draws the inspiration of establishing customer incentive mechanism,strengthening policy support and designing flexible loan mode.Finally,combining with the development of jilin province,this paper analyzes the Suggestions to promote the sustainable development of rural microfinance in jilin province.