The Construction And Improvement Of Rural Microfinance In Our Country

Since the establishment of Rural Bank of Bangladesh, the development of micro-credit in the modern sense has been 30 years of history. Micro-credit as an innovative way to help the poor has changed the traditional view of the rural poor depend largely on foreign donors or the state's financial support, It proposes a credit model to provide small amounts of continuous credit services to low-income groups and micro-enterprises. Since 1992, the Chinese Academy of rural development Institute has leaded Rural Bank model in Shanxi, Hebe etc provinces to test. It has achieved good economic and social benefits. It has become China's main fashion of long-term poverty. Currently, it relies on commercial banks, policy banks, micro-credit companies and non-governmental organizations to deal in microfinance. For more than ten years of development of micro-credit in our country, the micro-credit have played a great role in speeding the agricultural development, improving the life of peasant and perfecting the rural financial system. With the development of micro-credit, many problems have been exposed, such as the disavowal of legal status of micro-credit operation entity, the lack of clear property rights and governance structure, and so on. These problems are rooted in the serious lack of the legal system of China's rural micro-credit.Based on the above analysis and thinking, the author on the basis of research and learning to describe the issues of rural micro-credit in our country. Meanwhile, the author combined with the China's rural financial system and the actual operation of micro-credit to build and improve the legal system of China's rural micro-credit. As a result, it can promote the sustainable development of micro-credit. In such a writing idea, the article is divided into five parts:The first chapter is the legal analysis of micro-credit. According to the origin, concept characteristics and the legal relations of micro-credit, the chapter points out the micro-credit is a way to help the poor that provide service for low-income populations and micro-enterprises. The second chapter is the actuality and predicament of legal system of china's rural micro-credit. This chapter reveals the situation and causation of china's rural micro-credit from three aspects step by step. The third chapter is the practice and inspiration of foreign legal system of micro-credit. This chapter discusses the foreign legal system of micro-credit. The third chapter is the Inspiration and practice of Extra-territorial legal system of micro-credit. We should consider the development characteristics of China's rural micro-credit from the successful experience of International microfinance. The sustainable development of Institutions will become our main direction of development. The fourth chapter and the fifth chapter is the core of the article. These two parts build China's rural micro-credit legal system from the external policy environment, legislative, regulatory and other macro as well as ownership structure, related measures of Laws and regulations and other microscopic view.