Problems in Development of Micro-credit Loans to Farmers in China and Countermeasures

There are problems of inadequate natural endowment and weak stamina in the development of micro-credit loans to farmers in China. Specifically, existing problems include narrow profit space, serious non-agricultural trend of funds, high dependence on government support, short life cycle, and constantly increasing operating risks. These problems are related to endogenous drawback in design, defect in operating procedure, lagging in relevant policies and measures, and vacancy in risk compensation mechanism.