小额信贷发放现状及对策（Current situation and Countermeasures of micro credit payment）.docVIP

小额信贷发放现状及对策（Current situation and Countermeasures of micro credit payment） Current situation and Countermeasures of micro credit payment Current situation and Countermeasures of microfinance 2008-12-20 15:12:09 The nature of rural credit cooperatives determines their own market positioning, and their market positioning is related to their own future, destiny of the development of space. In recent years, rural credit cooperatives have vigorously launched the small household credit loan business, effectively solved the problem of farmers loans, and played a huge role in promoting the development of local economy. After several years of practice shows that, due to many factors, the current rural credit cooperatives how to avoid weaknesses in the microfinance management still has some problems, and to maximize the practical utility of microfinance, realize its benefit maximization. In this regard, I would like to talk about personal opinions. First, the current situation and effectiveness of microfinance From Dazhu County stone river rural credit cooperatives to carry out small farmers credit situation, firmly establish the credit support work idea, effectively to create rural credit activities as the carrier, to establish a comprehensive household electronic credit archives, earnestly implement the household credit rating, loan amount plus the size of investment. As of July 2007, total loans of 70 million 350 thousand yuan, the loan balance of 36 million 760 thousand yuan, accounting for 52.2% of total loans, the benefit of full jurisdiction over 56% farmers. In my agency microcredit support, within the jurisdiction of the majority of farmers achieve poverty, accelerate the pace of construction of new socialist countryside, and achieved good results. A microfinance implementation to meet the financial needs of farmers. The promotion of rural credit cooperatives of small farmers credit loans, procedures are very simple, with farmers credit card, valid ID card and a pers