| In the 1980s, microfinance projects were carried out in China. Some projects failed, others successed greatly. But compared with international microfinance projects, Chinese microfinance projects have to face a lot of problems, for example, slow development, small scale, lower quality, and so on. To solve the problem, in 2005, the Chinese government established 7 experimental units of microfinance company. In 2008, the experimental units was promoted to 31 provinces and municipalities. At the same time, the people's bank of China provided the microfinance not to deposit just to credit. Therefore, in the company, the credit accumulated amount equal to the loanable fund. More and more microfinance companies was set up, so the market structure appearances to"small and many". This may bring to weakness of financial supervision. China Postal Savings Bank, with the capital advantage and network advantage, started the microfinance business, and successed greatly. By the end of 2010, the credit accumulated amount of China Postal Savings Bank was more than all microfinance. China Postal Savings Bank plays a more and more importment role in rural financial market, meanwhile, a large numble of profit inflows in China Postal Savings Bank. The theory horizon focuses on pure theory and individual case, neglecting rural microfinance problem of China Postal Savings Bank.This thesis, basing on the existing domestic and foreign microfinance theory, combining with Grameen Bank, people in Indonesia bank rural service stations and Indian microfinance company, points out that the characteristics of the other participants, such as, microfinance com-pany, government and farmers. We analyse the game model about China Postal Savings Bank and other participants , by establishing the game model. Finally, we think China postal savings bank should take measures: exerting comparative advantage and pushing financial innovation. Meanwhile, the authorities also should strive to build better rural financial environment. |
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