Research On Problems Of The Micro-credit In Western Ethical Areas

Micro-credit is founded in the 1970's, which is recognized as an efficient way of fighting poverty internationally. It became a thriving business in the developing countries, it also a miracle to reduce poverty in the financial area. After 1990's GB allows committees to hold shares and find creditable fund in business resources, and keep GB sustainable. The success of GB is so meaningful for China and other developing countries. Since the beginning of 90s, GB model was introduced to China by Chinese micro-credit entrepreneurs. During more than ten years development, our micro-credit projects and organizations, which play an important role and make a huge contribution in the growing up process of Chinese Micro-credit.There is 200 millions poverty populations in Chinese countries, and126 millions in western countries in China. The western and frontier areas have the wider land and fewer population, which have 40 ethical nations. It takes 2/3 populations of ethical nations'The Micro-credit is a special way and comprehensive technical service to enforce Loan fund to impoverished population in concordant to specific arrangement,theory,target in certain region. As the fact that rural economy is backward, proportion of the impoverished population is higher, and the peasants lack the fund for production, to promote small credit in rural area and maintain sustainable development have practical significance. Since small credit was introduced to undeveloped west region in 1990's, it played an important role in enlarging effect of finance resources disposition, increasing the farmer's income, decreasing impoverished population. On the other hand, there were a lot of problems which attracts people's attention. So the researches on the restrictive factors and settlements during the sustainable development process have the practical significance.This paper focuses the cases of Micro-credit in GansuDingXi, NingXiaYanChi, Tibet's Changdu, Enshi Autonomous Prefecture of Tujia &Miao Nationalities.We tried to imitate GrameenBank model at the beginning, but practically, it proves that we should innovate a new way to develop Chinese micro-credit instead of copy GB model. In western ethical areas, our micro-credit is still limited to poverty alleviation, which leads to some problems during imitating GB model, including lack of beneficial policies for development, micro-credit institution and employees are severely related to local government, the only GB model we could learn from, no other models, and rely on overseas donation to get financial support.The thesis consists of the following four parts: First part mainly introduces the background, references as well as the purpose and framework if this thesis. Then describes the experiences of the patterns of micro-credit, and briefly comments the overseas small credit successful practice.The third part describes present situation of micro-credit in China. Western ethical area and analyzes restrictive factors. It emphasizes on the Micro-credit in western ethical area. The forth part give some sections including formulating and regulations, advancing and slandering the implement of micro-credit,and improving the eternal environment .