Qianxi Rural Credit Cooperative Association(qian xi xian nong cun xin yong he zuo lian she )

Research on the sustainable development of micro credit in the new rural construction

Research on the sustainable development of microfinance in the new rural construction has a novel perspective, full and accurate information, and thorough case analysis, which has important academic value and application value. Research on the sustainable development of microfinance in the new rural construction includes introduction, functional finance orientation of microfinance in the new rural construction, rural microfinance operation mechanism and its theoretical basis, etc.

content validity

"Research on the sustainable development of microfinance in new rural construction" introduces that building a new socialist countryside is an inevitable choice for China's rural development and reform to enter a new historical stage. Its ultimate goal is to gradually change the urban-rural dual structure, narrow the gap between urban and rural areas, and establish a new economic and social management system.

About the author

Yang Weikun, born in September 1974 in Wangdu, Hebei Province, is a party member of agricultural workers, a doctor of management, a postdoctoral fellow of finance, and an associate researcher. He is now the deputy director of the Financial Research Institute of Hebei University of Finance and the deputy director of the Key Laboratory of science and technology finance of Hebei Province. Main social part-time jobs: member of the 11th CPPCC Baoding Municipal Committee, member of the 11th Youth Federation of Baoding City, executive director of Hebei Soft Science Research Association, executive director of Hebei agricultural economic society, executive director of Financial Law Research Association of Hebei law society, executive director of Baoding finance society. He was rated as the financial research talent expert of Hebei Province and the first outstanding young expert of Social Science in Baoding city. The main research areas are rural finance, local finance and "three rural" issues. He has published two monographs, edited two works, participated in compiling three teaching materials, published more than 60 papers, presided over and participated in more than 20 national, provincial and municipal level projects, and won 5 provincial and ministerial level awards and 10 other awards for his research achievements.

Book catalogue

preface

1 Introduction

1.1 questions raised

1.2 related research review

1.2.1 research on new rural construction

1.2.2 research on financial support in new rural construction

1.2.3 research on rural microfinance

1.2.4 research on the sustainable development of rural microfinance

1.3 definition of basic concepts

1.3.1 analysis of micro credit related concepts

1.3.2 sustainable development

1.3.3 sustainable development of microfinance

1.4 research ideas and contents

1.4.1 research ideas

1.4.2 research content

1.5 research methods

2. The functional financial orientation of micro credit in the construction of new countryside

2.1 new socialist countryside construction from a new perspective

2.1.1 new background of new socialist countryside construction

2.1.2 new connotation of new socialist countryside construction

2.1.3 construction of new socialist countryside and rural finance

2.2 theoretical basis of functional finance

2.2.1 early development of functional finance theory

2.2.2 further thinking on functional finance after the financial crisis

2.3 functional finance orientation of rural finance

2.3.1 definition of the connotation of rural finance

2.3.2 characteristics of rural finance in China

2.3.3 theoretical orientation of rural finance

2.3.4 functional finance orientation of rural finance

2.4 functional finance orientation of micro credit in new rural construction

2.4.1 characteristics of microfinance

2.4.2 functional finance orientation of microfinance in new rural construction

3. Operation mechanism and theoretical basis of rural microfinance

3.1 operation mechanism of rural microfinance

3.1.1 target customers of microfinance and their identification

3.1.2 establishment of microfinance organizations

3.1.3 analysis of micro credit operation mechanism

3.2 relevant theoretical basis

3.2.1 agricultural credit subsidy theory

3.2.2 rural financial market theory

3.2.3 "imperfect competition" theory

International experience and Enlightenment of rural microfinance development

4.1 Rural Bank of Bangladesh model

4.2 mode of Rural Credit Department of the people's Bank of Indonesia

4.3 poverty alleviation credit model in Malaysia

4.4 microfinance model in India

4.5 Bolivia sunshine bank model

4.6 National Development Bank of Egypt

4.7 reference and Enlightenment

4.7.1 government support is very important for the development of microfinance

4.7.2 develop attractive microfinance products and services

4.7.3 determination of reasonable loan interest rate

4.7.4 the development direction of microfinance should be commercialization

4.7.5 the effect of microfinance on poverty reduction is very good

The development of rural microfinance in China

5.1 background of microfinance in China

5.2 the development of microfinance in China

5.2.1 microfinance pilot stage (1981-1993)

5.2.2 the generation stage of micro credit of non-governmental organizations (1994-1996)

5.2.3 large scale government participation (1997-2000)

5.2.4 participation stage of rural credit cooperatives (from 2000 to June 2005)

5.2.5 the stage of exploring "commercial microfinance" (from June 2005 to now)

5.3 types of microfinance in China

5.4 main operation modes of microfinance in China

5.5 development status of microfinance

5.6 new features of microfinance development

5.7 empirical research on the development of microfinance in China

5.7.1 micro credit model of poverty alleviation society in Yi County

5.7.2 micro credit mode of Laishui poverty alleviation Society

5.7.3 Hong Kong Oxfam Luquan County "community development fund" microfinance model

5.7.4 micro credit mode of Chifeng Zhaowuda women's Sustainable Development Association

5.7.5 "Pingyao model" of small loan companies

5.7.6 the microfinance model for farmers and herdsmen in Tibet Branch of Agricultural Bank of China

5.7.7 farmers' micro credit mode of rural credit cooperatives in Sangzhi County

5.7.8 "guaranteed loan for citrus planting" mode of rural credit cooperatives in Deqing County

5.7.9 the financial discount micro credit mode of Yishui County's "one million farmers get rich project"

5.7.10 Puyang rural credit cooperative mode

5.7.11 Qianxi County Rural Mutual Fund professional cooperative mode

Analysis on the demand of micro credit in the construction of New Countryside

6.1 characteristics of farmers' demand for microfinance

6.1.1 the borrowing behavior of farmers is relatively common, and the borrowing demand is diversified

6.1.2 the loan demand and scale of farmers are closely related to their income level

6.1.3 farmers' loan funds are widely used

6.1.4 farmers' financing mainly comes from private lending

6.1.5 credit loan is the main form of farmers' loan

6.1.6 farmers' willingness to repay is strong and their ability to repay is enhanced

6.2 analysis of influencing factors of rural microfinance demand

6.2.1 the variety of micro credit is monotonous, which is difficult to meet the diversified financial needs of farmers

6.2.2 high loan interest rate inhibits farmers' financial demand

6.2.3 there is a certain contradiction between the service quality of rural financial institutions and the needs of farmers

6.2.4 farmers lack financial knowledge

6.2.5 the main body of rural financial services is single, which can not meet the diversified needs of farmers' microfinance

Analysis of micro credit supply in new rural construction

7.1 analysis of microfinance providers

7.1.1 informal financial microfinance institutions

7.1.2 formal financial institutions

7.2 analysis of the restricting factors of microfinance supply

7.2.1 the lack of laws and regulatory authorities restricts the sustainability of microfinance

7.2.2 the main body of microfinance market lacks effective competition

7.2.3 the low efficiency of interest rate regulation inhibits the sustainable development of microfinance

7.2.4 the continuity of funding sources cannot be guaranteed

7.2.5 inaccurate positioning of microfinance

7.2.6 the low management level restricts the sustainable development of micro credit management

7.2.7 the microfinance products are single and the supporting services are insufficient

7.2.8 lack of risk sharing mechanism

……

8 main conclusions and suggestions

appendix

reference

Chinese PinYin : Qian Xi Xian Nong Cun Xin Yong He Zuo Lian She