| Microcredit is an essential means for the development of Chinese rural economy. With the commercialization proceeding of China's financial industry, the major commercial banks shrink their business networks. In the meantime, The Agricultural Bank of China's Market Positioning need market to test, the China Postal Savings Bank need strengthen internal management, the Rural Credit Cooperatives' Layout upgrade caused rural finance shortage, the active social financial capital need to standardize. All the above situation impel Chinese government proposed the establishment of micro-loan company, which would allow more private financial capital to enter the Chinese finance system, broaden rural finance channels, realize China's financial sector diversification. We can see the prospects: the problems of finance supply deficiency, inadequate industry competence, and private capital's excess liquidity were solved, and create a healthy financial environment was created.In order to reduce financial risks, the People's Bank of China and the China Banking Regulatory Commission put forward the requisitions of "only permit loan, not permit deposit" to microloan companies, which would strictly limit microloan companies' cooperation in the long run. In order to ensure Microloan Companies of steady development and solve the rural finance deficiency problem, based on the research of micro-finance company business models from at home and abroad, the article put forward an argument of the mixed operation of the financial business, that is, cooperating with telecom operators, a large number of rural cooperatives, intermediaries in rural areas and agriculture-related enterprises, build a comprehensive information platform, which will help the microloan company monitor activities of customers from getting loan to repaying loan in whole process. At the same time, through assisting loan clients to settle problems of production or management process by microloan users, achieve win-win situation. |
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