The Development Of Microfinance In Agrarian And Pastoral Area Of Hu Lun Bei Er: Merits, Problems And Countermeasures

Microfinance is a specialized credit pattern which aims at low-income social stratum. Microfinance has been proved to be an effective approach of alleviate poverty, which has remarkable achievement in alleviating poverty. But also is the better financing method which provides successive funds for herdsman household and peasant household. Microfinance supplies small-scale financing for the Rural Finance Institution's gap, which is necessary additional for regular finance.Microfinance has huge market space in China. It has already extended from rural to cities and downs. Along with development of microfinance and New Rural Construction, microfinance will benefit more and more poverty and the demander of microfinance. Formerly research of microfinance mainly concentrated on traditional agricultural region. This paper researches the minority nationality regions Hu lun bei er, which region owns its characteristic on microfinance. It is significant that we researched microfinance in this region. Both agricultural production pattern and husbandry production pattern are in this region, in terms of this characteristic of this region microfinance has two different operation pattern serve peasant and herdsman which is differ from traditional agricultural region. It is significant that explored the model of microfinance in view of characteristic of national region. This thesis is mainly concern effort of Rural Credit Cooperative microfinance that supply for peasant and herdsman, and sustainable operation of microfinance in this area. The author researches on microfinance between supplier aspect of microfinance and demander aspect of microfinance. The author also analyses effort of Rural Credit Cooperative microfinance and sustainable operation of microfinance institutions through qualitative analysis and quantitative analysis. On the spot investigation of peasant and herdsman on characteristic of financing analysis is the importantly parts of this thesis. We find that microfinance of Rural Credit Cooperative took vital effects on financing for peasant and herdsman. There are lots of problems with microfinance in this region. On the one hand, operation ability of microfinance institutions should be enhance so that it could provide sustainable microfinance with demander; On the other hand, we should know well finance target of peasant and herdsman by on the spot investigation, so that microfinance institutions could master demand of finance target. Meanwhile, there is much problem on microfinance in this region. The author puts forward appropriate proposal and policy to suit the development of microfinance. In addition, it is important to explore suitable microfinance patterns in view of different mode of production.Microfinance could complete "dual-win" target based on sustainable operation of microfinance institutions. And it also based on provide sustainable loan for its target customer. Only has microfinance relative patterns, not has fixed patterns. If we probe into appropriate microfinance model which would successive supply satisfied service with peasant and herdsman, we could solve difficulties in loan too. Helping them increasing production and increasing income.