河北省农村信用社农户小额贷款发展问题及对策

河北民族师范学院毕业论文ABSTRACTIn order to speed up the basic realization of the goal of modernizationdevelopment in 2035,the state has been concerned about the rural economy,butthe shortage of rural funds has become a bottleneck restricting the development ofthe rural economy.Rural finance,as the booster of the rural economy,has alsoembarked on the road of reform.The 14th five-year Plan and the outline of thelong-term goal for 2035 clearly put forward the strategic deployment of"givingpriority to the development of agricultural and rural areas and promoting ruralrevitalization in an all-round way":we should persist in solving the problems of"agriculture,countryside and farmers"as the top priority of the work of the wholeparty,take the road of rural revitalization with Chinese characteristics,fullyimplement the strategy of rural revitalization,and create a solid materialfoundation for the realization of common prosperity.On the other hand,thenumber of branches of traditional finance in rural areas has changed.The loanauthority of ICBC,Agricultural Bank,Bank of China,Construction Bank and otherstate-owned commercial banks,and the contraction of institutions and businessesin rural areas have made rural credit cooperatives become the most representativefinancial institutions for farmers to provide loan support.Rural credit cooperatives are the key financial institutions to help ruraleconomic development.Rural credit cooperatives are also an important inclusivemeans to help farmers get rid of poverty.Rural credit cooperatives,as the mainforce of formal finance to promote the development of microloans,have achievedsome results in the process of promoting microcredit business,but they are alsofacing a series of problems.This paper analyzes the development of rural creditcooperatives in Hebei Province under the background of rural revitalizationstrategy,and tries to improve the problems existing in the development of ruralcredit cooperatives.By using case analysis,literature analysis and data analysis,this paper reveals the problems in the process of rural microfinance development,including three levels:government level,rural credit cooperatives level andpeasant household level.It is hoped that it can help the future development ofmicrocredit business of rural credit cooperatives in Hebei Province to providesome useful reference..Key words:Rural credit union,Microcredit,Rural finance