Research On The Guarantee System Of Microfinance

Micro finance is such a kind of finance service whose target-customers are famers in the country,the laid-off in the downtown and the small-and medium-sized enterprises.It plays an important role to help the low-income people and the smalland medium-sized enterprises get the loans,which makes progress for the social society.Sustainable development is the first goal of microfinance,and the system of guarantee is the security for microfinance,not only protects the creditor,the microfinance agencies,from suffering the risk of deficit results of the debtor,but also brings new finance services and promotes the development of the social credit environment.Until now,there haven't enough researches on the guarantee system of microfinance.This thesis studies different guarantee styles in microfinance and pointes out their advantages and disadvantages,and makes some suggestions to the system finally.Preliminary explains the purpose and significance of the study,summarizes related literatures,and presents the research methods and framework of the study.Chapter one introduces the basic information of microfinance,including its concept,character and agencies.Chapter two analyses the current situation of the guarantee of microfinance, including the summery of micro finance guarantee and the main guarantee styles, including credit guarantee,group guarantee,floating mortgage,chattel mortgage and impawn.And compare their advantages and disadvantages.Chapter three bases on the analysis about the guarantee system of microfinance, makes constructional suggestions about it.Drawing on the experience from foreign countries about the law system of guarantee,we need perfect the guarantee system, form the unified registration system of guarantee,cut down the cost of implementing of the guarantee and set up the professional system of collect the credit information of debtor in microfinance.