The Research On The Micro-credit Problem Of Postal Saving Bank Of China

In the modern theory of poverty, concept of poverty, which was considered only in the field of economy, has been expanded to political and cultural fields. It becomes a complex system. With the introduction of the equality, the policy of helping the poverty-stricken people has changed from the traditional one which mainly aimed at the minimum living guarantee to the new strategy to improve the work abilities of poor population and give equal chance to them. As a financial method, micro-credit gives an impetus to economic growth and has an active effect on poverty alleviation.The function of the micro-credit is attracting more and more concerns of the developing countries.In China, the fund demand of poverty population is huge, but the regular financial institutions usually refuse to lend money to the poor population because of profit motives and policy restriction. The huge fund demand and little supply provide a good opportunity to the micro-credit and become inherent power of the development of micro-credit.At the macroeconomic level, China Banking Regulatory Commission published the notice named "Several opinions of adjustment of the banking institutions entry policy in rural area which can support building the new rural area of Society Community". In this notice, the Commission makes the banking institutions easy to enter rural market which can lead more funds to support the construction. It is obvious that the government totally supports the micro-credit to achieve the goal of poverty reducing.However, there is a conflict between the reality of the micro-credit development and the hope of the government and poor population. The development of micro-credit meets a lot of problem which holding back the developing speed.To conquer the conflict between the huge demand and little supply, the major problem of the micro-credit is mainly focused in the disseration. The disseration is composed of four parts: Part One: briefly introduction of the background and main theories of the micro-credit. Part Two:analysis the practical experience and revelent of micro-credit oversea. Part Three: introduction of the emergence, development of micro-credit in china. Part Four: analysis the major micro-credit problem of Postal Saving Bank of China will face. Part five:giving the solution to the problem of micro-credit when Postal Saving Bank of China go into these field and suggestions on the policies.