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Research On The Development Of The Rural Microfinance In China

Posted on:2009-03-04Degree:DoctorType:Dissertation
Country:ChinaCandidate:J JiaFull Text:PDF
GTID:1119360275497193Subject:Agricultural Economics and Management
Abstract/Summary:PDF Full Text Request
Microfinance resolve the problem that formal financial institutions could not provide an effective credit services to the poverty-stricken population in long-term as the poor financial services. There have been 14 years since the 1990s started a pilot Microfinance in China. Microfinance has played a significant effect in alleviating poverty and increase farmers' income as a financial innovation results. However, high-risk and high-cost of microfinance , lower interest rates, funding sources, the unclear microfinance functions of the government and so on, which constraints the sustainable development of the rural microfinance in China. The sustainable development of the rural microfinance is conducive not only to improve the rural financial market and promoting economic development in poverty-stricken areas and help poor people out of poverty, but also for new rural construction and be of great significance to building a harmonious society in China.In this research, Microfinance has been got into the rural financial market system. It use of systems analysis, empirical analysis and norms of the integration of mathematical analysis and measurement, experts investigating the research methods to introduce the theoretical foundation of microfinance sustainable development as the starting point, and from the perspective of international microfinance development , summed up village banks in Bangladesh, the People's Bank of Indonesia, Cambodia ACLEDA Bank which can give experience and enlightenments of microfinance, And in-depth study of China microfinance course of development and on the basis of the status quo, From the policy environments,and legal environments, economic environments and social and cultural environments for microfinance development. From the operation, elements of products, processes running on microfinance aspects of the operation mechanism, and build a comprehensive evaluation model of sustainable microfinance institution's operating capacity. It is from the human resources management and credit culture to build on two aspects of the microfinance institutions operating capacity of sustainable development. Finally it comes to the conclusions of this research and proposals to the microfinance development.Main conclusions of this paper are as follows: Microfinance in China has developed for 14 years, but still in the initial stage of microfinance development. It do not realize the true sustainable development and the situation of sustainable development is stern.Although MFI has been formed, including rural credit cooperatives, postal savings banks, rural banks, commercial microfinance companies, NGO microfinance and other multi-level pattern of microfinance institutions, there are still different levels constraints of their sustainable development. Therefore, to improve the external environments, and the operation mechanism, and cultivate sustainable microfinance institutions operating capacity, the goverment of China will have to achieve the sustainable development of microfinance and play an important role.Main innovations of this paper are as follows:1. The research has established a comprehensive evaluation model of the microfinance institutions' sustainable operating capacity. The model to level analysis is based on use of cluster analysis principles of design specifications on the basis of weight, change is usually the target weight for a simple evaluation of the average method, and the results were weighted to the one treatment, the right to be re-integrated. In addition, comprehensive analysis model, this research by AHP to sort the results of each level of a model, calculate a different evaluation of microfinance institutions as scores of concrete, sustainable business for its ability to find lower reasons.2. The research has established a human resources management system of microfinance institutions based on the status of microfinance institutions in the rural areas in China. From the recruitment and selection, training, performance evaluation and salary systems of microfinance manager in specific systems and how to carry out human resources management of microfinance institutions effectively, application-level analysis and establish microfinance manager's performance evaluation system..
Keywords/Search Tags:Microfinance, Development, Environments, Operation Mechanism, Operation Capacity
PDF Full Text Request
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