using equivalence principle and combining with the general condition of equivalent repay loan every year,the paper discusses simple interest method.

Empirical Study on RCC s Microfinance in Minority Poverty Area;

The Cause Study on Low Efficiency of Rural Microfinance in China;

The Analysis of Information Asymmetry in Microfinance;

Disscussed the actived role of small credit,as the innovation way of financial serve, in developing economy and provide for and help oneself by engaging in production for helping the poverty stratum.

Hence,the agricultural banks should carry out the principles of serving the needs of agriculture,rural areas and farmers,reforming system,operating business,and listing when opportunity coming,actively develop the finance service of supply chain,small credit,and farmer.

Since small credit becomes a newborn thing on the financial development history of our country,it is that the nine-hundreds millions peasant of our country has improved production condition especially the peasant of poor backward area has offered production capital to pass the practice of more than 10 years and try.

Institutional Change View of the microcredit system plight and Countermeasures;

An approach to microcredit in the postal savings bank;

Research on Microcredit in Chinese Rural Areas;

An International Comparison of Micro-finance and its Implication for China;

Empirical Study on Micro-Finance Practices Made by the Chinese Agricultural Sector Through World Bank Loan Projects;

In recent years,micro-finance of Chinese rural credit association has achieved a certain degree of success,to some extent alleviate the farmers problem of a shortage of funds,and play a more and more important part in development of the rural financial.