1, the existing problems are as follows: the credit environment is not ideal. In the face of credit cooperatives' micro-loans, the defrauded funds should be sold, and the more the better, but they don't consider personal repayment ability, so that when it comes to repayment, they start running around and avoiding debts. The weak credit awareness of farmers is only one of the reasons for this phenomenon, and the lack of national laws also makes this phenomenon worse. For example, the state's lack of protection for creditors and constraints on debtors leads to debtors' psychology of not paying their debts, which intensifies the weak credit consciousness of repaying loans and interest in society.

2. Low loan management level The main business of microfinance business is at a low level in terms of hardware facilities, personnel quality and management level. Therefore, it is impossible to effectively carry out sustainable microfinance business, which makes it difficult to put loan management in place. First, there is a lack of a set of reasonable and effective evaluation methods, which can not reasonably evaluate the personal reputation, repayment records, production and business activities of farmers. However, due to its subjectivity and arbitrariness, the current method cannot effectively deal with all kinds of bad debts because it roughly fills in the files of farmers. get ready

3. Lack of effective risk sharing mechanism. The payment and repayment of funds affect the income, which requires rural credit cooperatives to establish a good risk compensation mechanism. For the current rural credit cooperatives, it is precisely the place that needs improvement. Due to the low efficiency of agricultural input, it is also affected by various natural factors and market factors.

4. Countermeasures: The threshold for optimizing rural credit environment is low, and farmers are not clear about the specific business, loan requirements and repayment level of microfinance. In addition, the credit staff of rural credit cooperatives should patiently do a good job of propaganda and explanation for some farmers' wrong understanding and following the trend of lending, and make full use of the propaganda function of various media, such as television and newspapers. To let farmers know the original intention and various benefits of rural microfinance, only they actively cooperate with the countryside. 2 1 Century China is a country ruled by law, so we need to keep pace with the times and strengthen the construction of the legal system. In order to strengthen the legislative work of rural economic and financial construction, relevant laws and regulations to protect rural cooperative finance should be promulgated as soon as possible. For example, in view of the actual situation of rural credit cooperatives, through the implementation of a series of laws and regulations, the Cooperative Finance Law was promulgated, which strengthened the judicial and law enforcement efforts, increased the punishment for dishonesty, increased the default cost of borrowers, and created a good credit environment for the survival and development of rural credit cooperatives.

5. Strengthen the self-construction of rural credit cooperatives. In real life, the managers of rural credit cooperatives at all levels walk with one foot, that is, they have rich practical experience, but their theoretical foundation is not solid. Therefore, we should strengthen the theoretical research on managers. Learn basic knowledge, guide their practice with better theory, and let them learn to walk on two legs. At the same time, it is necessary to establish the necessary incentive mechanism to mobilize the enthusiasm of credit personnel. Because different levels of agricultural production have different needs, we need to establish demand-oriented micro-credit services, really start from farmers, strengthen business innovation, and expand the variety of micro-credit.

6. Strengthen the self-construction of rural credit cooperatives. In real life, the managers of rural credit cooperatives at all levels walk with one foot, that is, they have rich practical experience, but their theoretical foundation is not solid. Therefore, we should strengthen the theoretical research on managers. Learn basic knowledge, guide their practice with better theory, and let them learn to walk on two legs. At the same time, it is necessary to establish the necessary incentive mechanism to mobilize the enthusiasm of credit personnel. Because different levels of agricultural production have different needs, we need to establish demand-oriented micro-credit services, really start from farmers, strengthen business innovation, and expand the variety of micro-credit.