Since 1993, China has a history of 1 for many years, and has experienced the process from international donation, government subsidy support to commercial operation. At present, China's micro-credit led by non-governmental organizations has begun to develop. At present, China's microfinance can be roughly divided into three types: first, guaranteed loans for laid-off workers, student loans and poverty alleviation loans provided by big banks, with a total loan amount of hundreds of billions of yuan; Second, rural credit cooperatives. There are 6 1 10,000 farmers enjoying loans of192.7 million yuan, accounting for 27.3% of all farmers; There are also some farmers who guarantee loans, and about 1.2 million households enjoy loans 1.4 1 100 million yuan; Third, at present, there are more than 1 non-governmental microfinance organizations, and loans have been provided about 65438+ billion yuan.
Despite such problems, the prospects are still very broad. Under the policy call of the central bank to fully liberalize the loan scale, companies have sprung up all over the country. These troubled small and medium-sized enterprises feel the spring in the cold of early winter.
According to statistics, by the end of 28 years 1, about 1 companies in China had been approved for pilot projects, and the total amount of loans issued by these companies was equivalent to that of a joint-stock bank. Following the launch of the company in coastal areas such as Zhejiang, Jiangsu, Shanghai and Fujian, the pilot projects in Beijing, Chongqing, Hebei and Shandong are also being actively prepared.
In May 2008, the central bank and the China Banking Regulatory Commission approved the launch of pilot companies nationwide, with the aim of making up for the "blind spots" of banks in the local SME customer base. According to the regulations of the central bank, the upper limit of the company's interest rate shall not be higher than 4 times of the central bank's benchmark interest rate, and the lower limit shall not be lower than 0.9 times of the benchmark interest rate.
Small and medium-sized enterprises with private economy as the main body are considered as the most agile group in China's economy. When they were hit by the global financial tsunami for the first time, the voice of "saving small and medium-sized enterprises means saving China's economy" became stronger and stronger. In fact, companies with small and medium-sized enterprises as their main customers are also welcoming their own business opportunities. Although there was no return on investment at first, the company provided a channel for industrial capital to legally enter the financial sector.
Second, how about the rural finance major? Is it good for employment?
What will rural finance do after graduation?
Financial enterprises: bank tellers, account managers, loan officers, bank card salesmen, and grass-roots management.
Rural finance is a major in building inclusive financial system and developing county finance. Mainly study the relevant knowledge of rural cooperative economy and rural finance, including the economic foundation of agriculture, rural areas and farmers, modern rural finance and microfinance. For example, the qualification review and payment of lenders, research on financial projects suitable for local development, and promote implementation.
What is the major of rural finance?
Monetary banking, international finance, financial market, rural financial practice, comprehensive counter business of commercial banks, business management of commercial banks, financial management practice, and insurance practice.
Training objectives of rural finance specialty
The purpose is to cultivate high-quality applied talents who meet the needs of rural market economy development in the new period, have good financial and trade literacy, master the basic theory and practical operation skills of modern rural finance, and understand the relevant knowledge in the field of rural cooperative economy.
Training requirements of rural finance specialty
This major aims to cultivate service-oriented high-quality skilled financial professionals who love the motherland, adapt to the needs of socialist market economy and new rural construction, have all-round development in morality, intelligence, physique and beauty, have good professional quality of honesty and dedication, are familiar with rural and local economies, master the basic business and skills of new rural financial institutions, and engage in rural financial business management and practical operation.
Third, what is the development and prospect of farmers' microfinance in China?
Since 1993, China has a history of 1 for many years, and has experienced the process from international donation, government subsidy support to commercial operation. At present, China's micro-credit led by non-governmental organizations has begun to develop. At present, China's microfinance can be roughly divided into guaranteed loans for laid-off workers, student loans and poverty alleviation loans, with the total number of loan cooperatives reaching hundreds of billions. 6 1 10,000 farmers have enjoyed loans of192.7 billion yuan, covering all agricultural joint guarantee loans, and about10.2 million farmers have enjoyed loans of10.4/100 million yuan; Third, there is a loan of about 1 billion yuan.
Despite such problems, the prospects are still very broad. Under the call of the central bank's comprehensive policy, the company, like small and medium-sized enterprises after the rain, felt the spring in the cold of early winter.
According to statistics, by the end of 28 years 1, about 1 companies had been approved to try out joint-stock banks. Following the launch of companies in coastal areas such as Zhejiang, Jiangsu, Shanghai and Fujian, Beijing, Chongqing and Hebei are also actively preparing.
In May, 2008, the pilot company was launched nationwide, aiming to make up for the "blind spot" of banks in the local SME customer base. The central company stipulates that the upper limit of interest rate shall not be higher than 4 times of the central bank's benchmark interest rate and the lower limit shall not be lower than 0.9 times of the benchmark interest rate.
As the most agile group with private economy as the main body, when they were hit by the global financial tsunami for the first time, the voice of "saving small and medium-sized enterprises is to save China's economy" became stronger and stronger. In fact, companies with small and medium-sized enterprises as their main customers are also welcoming their own business opportunities. Although it is difficult for early industrial capital to legally enter the financial field, it provides a channel.
4. How is the rural microfinance industry developing? What problems should we pay attention to?
Are you a chemical enterprise? Many partners use dqs reports. You can call dqs Shandong Company. They are professionals.