Study On The Model Of Rural Microfinance

The rural eonomy is a main problem that obsessed the sustainable,rapid and healthy development of Chinese economy. The main factor affecting the rural economy is the short of capital, the other side is that the rural labor force supplies are at the saturated condition, thus appears the uncoordinated phenomenon between work and the capital. For a long time, rural financial market has developed slowly in our country, the contra-diction between financial supply and demand is very outstanding, the governmental subsidized loans program for the poor has not been operated effectively, therefore it can not improve the rural financial situation once and for all. So there is an imperative need to make rural financial innovation to meet the demand of the development of rural economy. The question which the rural economy development must have to solve is that how provides the financial service to the rural. It is also the challenge to every government. The microfinance practice and the development for solving this problem provide the new way. It is of great importance to the returning of the rural capital, to the development of the rural economy, to the acceleration of the farmers"income and to the adding of more economic benefit to the rural credit cooperative .This article from the start with the definition of micro-credit, micro-credit in the discussion of the objectives, characteristics and types on the basis of analysis and comparison of the international micro-credit on the two main mode, pointing out that the development of micro-credit in China face the problem, which Focus on China's present mode of operation of micro-credit and the existing problems, and concludes with the realization of China's micro-credit smooth and healthy development of the required reform and improvement. The full text is divided into seven chapters. Chapter 1 Introduction explains the background research; review and sort out the relevant documentation stated purpose of this study is, significance and research methods and basic ideas.Chapter 2 outlined in the first micro-credit on the origin of the development of micro-credit and microfinance is the definition of the poor class of small-scale credit services credit activities. The success of micro-credit is necessary to achieve five major goals: (l) funds reach the poor households, (2) increase the capacity of the poor, (3) high loan rates, (4) a reasonable economy of scale, (5) sustainability . Second, outlined the main features of micro-credit and type. Finally, elaborated on micro-credit in the world and the implementation of the pilot, the elimination of absolute poverty in rural areas to play other modes and measures irreplaceable role.Chapter3 the International Comparison of micro-credit. First introduced in rural Bangladesh Bank GB model. GB in rural Bangladesh to establish a goal of completely different from its traditional banking as its purpose, in particular premise and conditions, to provide credit services organization. GB effective implementation of a special credit system. This chapter summarizes the main features of the system. Malaysia and then on the AIM model. Am is a subsidy for the objective of the poor, non-profit, non-governmental private trust and investment companies. It is the poor farmers in loans, designed a set of special credit system. This chapter of the M A Case Study of the experiment. A once again on the M GB analysis and comparison. China's micro-credit with the international GB model although there are some differences, but in practice, China's creativity of the "company + farmers" the effective management mechanism and with GB model, and explore "the company + GB + poor farmers," " Rural credit cooperatives + GB + poverty-stricken households, "the new model of poverty alleviation, has received good results. Chapter 4 China's micro-credit briefing. First of all on China's support for the development of micro-credit policy. Then that the micro-credit in China and the positive effect of the final brief analysis of China's existing micro-credit model, and their advantages and disadvantages.Chapter 5 the overall situation of micro-credit. This section from the operation of institutions, micro-mechanism, the operational flow of the three branches of China's rural micro-credit loans now to the actual situation of the last provinces and cities nationwide and the operation of a note.Chapter 6 micro-credit existing problems. This section on the basis of the previous chapter, from the operation of institutions, micro-mechanism, operational processes and security systems, micro-credit in rural areas that the existing problems.Chapter 7 the rural micro-credit for the existing problems, to environmental innovation - creating a legal environment for farmers credit, improve the micro-credit system design, the transformation of government functions, such as ways to improve the micro-credit to promote rural economic development.