Studies On The Establishment Of The Small Rural Financial Credit Institution (Company)

Financial service especially the rural financial service is playing an increasingly important role in China's economic development. How to provide the financial service to the rural population is the question which the rural economy development must solve, and also is the challenge which various countries' governments face. The practice and development of jot credit provide a brand-new way for solving this problem, especially with the experiment of jot credit companies, the rural jot credit companies' development will certainly play vital role in the rural finance. This essay embarks from the reality of Chinese jot credit and the development of rural finance, bases on the practice and the experience of overseas jot credit, analyze the necessity and the feasibility of establishing the countryside small finance credit company in detail. This essay analyzes the necessity of establishing the countryside small finance credit company through the contradictory of supply and demand of the countryside fund, the absent of regular cooperation finance organization ,the need for regulation of nongovernmental credit behavior etc; also this essay discusses the feasibility of constructing the countryside small finance credit company through analyzing the practice of the domestic and foreign countryside' jot credit and the concrete condition of our countryside; besides, this essay analyzes the barrier and the reason in establishing rural small finance credit company; the last part put forward the conception of our rural small finance credit company in detail, including the component elements, the principles adhered to and exterior operation environment.The main conclusions to this research includes: (1) this essay no longer locate the rural jot credit as a main method to help the poor as before ,but locate it as a financial institution for serving the general countryside, so the first principle it should adhere to is the sustainable development of the institution, and then is the consideration of the benefits of peasant household's; (2) the component elements of rural jot credit company's, like the amount of the credits, the credit guarantee system and so on, are not fixed any more, but should be determined by the local environment, the condition of the credit organization, so it is quite flexible; (3) In the operation of China's rural jot credit institution, the coordination and perfection of the benefit interaction mechanism among the government, the financial institutions and the peasant household, will impel the development of the rural jot credit finally.The main innovation to this research include: (1) the innovation of the topic selected: this essay overthrow the existing irrational financial system, make full use of the folk capital according to research information collected,. The establishment of the experiment unit of credit company shows the necessity to establish small credit company, but it is not the right time to make further comprehensive proof and propose the detailed conception research. But this research has a higher theoretical value and practical instruction significance to the exploration of establishing the new rural finance system in our country. (2) The innovation to the content: Along with the economical development, the demand subject to rural fund and the demand level shows multiplex development tendency. This article bases on financing demand ofthe main demand community -the farmer, and designs correspondingcooperation finance organization for them; it was rare in this area; (3)The third innovation: changing the research angle from helping the poor to the rural finance area, this is also an innovation in the research to rural Jot credit in the whole frame of the rural financial development.