Research On The Optimization Of Rural Microcredit Operation Mechanism

Along with the economic growth in the countryside and the social development,the need of small loans in the countryside is growing,and because of various subjective and objective factors,the existence of problems such as poor credit of rural households,information asymmetry between supply and demand,lack of integrity,and lagging information in microloans,to a certain extent,reduces the efficiency of rural financial activities,destroys the normal financial order,and makes rural microcredit in an unfavorable situation such as imperfect credit system for rural households,the problem of long-term lending to "three rural areas" Improved the credit level of rural families and helped the entire village to lend will become an important starting point for resolving problems such as information asymmetry and financing difficulties in rural financial development,and will also become an important guarantee for improving the rural microcredit mechanism and promoting rural revitalization.Based on the current research status at home and abroad,this paper explains the theoretical basis of the whole village credit granting to promote the optimization of the operation mechanism of rural microcredit,analyzes the development of rural microcredit operation mode and the supply and demand of microcredit,reveals that the bottleneck of the imbalance between supply and demand of rural microcredit lies in the deterioration of the rural credit environment,the lack of trust mechanism between supply and demand,the imperfect management mechanism of credit institutions and excessive government intervention,etc.,and then relies on the pilot tracking and investigation of the new model of "credit + loan" new model of "credit + loan" for the whole village of Weihui,Xinxiang City,Henan Province.Based on the field survey data of 450 rural households,the stepwise linear regression and binary logistic model were used to explore the key factors affecting the credit granting of the whole village,test the mutual coupling between the credit granting of the whole village and the rural microcredit,and then draw on the practical experience and inspiration of Weihui of Xinxiang City to explore the coupling mechanism of the coordinated development of the whole village credit and rural microcredit,and try to put forward policy suggestions from the micro,medium and macro levels such as farmers,rural microfinance institutions and the government to improve the credit of rural households and promote the steady operation of rural microcredit.For farmers,farmers should adopt a positive attitude to accept credit from the whole village,strengthen supervision and supervision,and improve their own literacy;For rural microfinance institutions,establish a risk control system,strengthen the construction of human capital of the "whole village credit" team,and build a sound credit granting mechanism;For the government,encourage microfinance institutions to share information,establish a sound fund supply and demand and supervision mechanism,and improve the relevant laws and regulations system,and provide strong financial support for China’s rural economic development and rural revitalization through multi-party interaction.