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A Study on the Development of Small Sum Loan in the Ru Ral Credit Bank

Author: QuShuMin
Tutor: WangJiaChuan；DongJiGang
School: Shandong Agricultural University
Course: Agricultural Extension
Keywords: Rural Credit Cooperatives Microcredit Rural finance
CLC: F832.4
Type: Master's thesis
Year: 2008
Downloads: 1098
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Abstract


Agriculture is the foundation of the national economy, \Led to the \Microfinance is new to international development since the 1980s, microfinance recent years because of its flexibility and effectiveness, worldwide more and more concerned about the reason why microfinance would be so concerns, the fundamental reason is the micro-credit as a financial innovation tools, so that low-income and poor desire to venture, made possible by the credit support to change their poor outlook. Especially in a population of 1.3 billion, 900 million migrant agricultural country, those living in rural, low-income population, as well as small and medium-sized individual producers and small businesses, but also an urgent need for financial services with suitable, therefore, we carried out The microfinance operations research has a actual realities value. Microcredit worldwide success also greatly encouraged by the enthusiasm of the Chinese government, in 2001, China began a nationwide vigorously promote the rural credit cooperatives to participate based microcredit, small loans around rapid development, not only the lives of farmers and development issues, but also injected new vitality for the reform and development of the rural credit cooperatives. Rural finance is an important part of China's financial, rural financial reform for a long time, but no one has found a more effective way. Microcredit as a financial New Deal for China's rural finance, the more struggling rural credit cooperatives bring reform. Therefore, it is doing a good job of small loans theoretical research, theoretical significance, it should not be underestimated. Based on economics, finance, and management science theory, theory and practice combine to standardize the method of analysis and empirical analysis combined first demonstrated that, from the point of view of the supply of rural finance, rural credit cooperatives to carry out the objective of microcredit inevitability, and rural credit cooperatives in Tai'an City, for example, a household questionnaire survey, entire areas of regional analysis, carried out small loans by rural credit cooperatives, the more in-depth and systematic empirical investigation. The analysis of the existing problems in the process of rural credit cooperatives to carry out small loans and the reasons. On this basis, the proposed countermeasures and suggestions to promote and regulate the development of micro-loans of rural credit cooperatives.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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