China's Sustainable Development Of Small Loan Companies

1978 started a market-oriented rural reforms, China's agricultural development is a historical turning point, not only broke the shackles of the traditional system, and greatly promoted the growth of income of farmers, from 1978 to 2007, China's per capita rural income from 134 yuan to 4,140 yuan, but we should also see a gradual expansion of urban-rural income gap, and tens of millions of Chinese still remaining absolute poverty, increasing peasant income, agricultural growth, rural stability, This is a 13 billion people, great country, economy and society, the national economy and a big problem.At present, China's rural financial system implementation have not done enough, premises being so insufficient, the effect of rural tax and fee Gaige Ye Mei You then Da, Nong Min strong financial Xu Qiu, Dan financial Gongji less, farmers income Kunnan-urban income gap wider.At the same time, the financial crisis, China's SMEs are also facing a serious predicament. In crisis, China's small and medium enterprises out of business, discontinued or closed down 7.5% probably accounts for the total number of shortage of funds, export trade down, labor costs increased raw materials costs are four major problems facing SMEs, and a shortage of funds undoubtedly is one of the biggest problems. Increase the financial supply and demand, alleviate financial difficulties, the most urgent task is to promote small and medium enterprises survive.In this context, our country has small loan company pilot to serve the "three rural" and the small and medium enterprises for the purpose, to meet the financial needs of farmers and SMEs, but the small loan companies as a new thing, there are still many shortcomings and problem, to avoid premature mortality, better for the "three rural" and SMEs, research small loan companies with sustainable development issues on a practical significance.This paper describes the development of foreign micro-credit course focuses on the practice of foreign countries the typical micro-credit model - Grameen Bank, followed by the development of China's micro-credit course is described, focusing on the latest micro-credit in China innovation model - small loan companies, small loans in China were described in the macro development of the company status, praised China's small loan company has made great achievements, China's small loan company that is still very difficult to achieve long-term sustainable development, and Jiangsu Zhenjiang City, meaning a typical micro-loan companies as a Case Study, based on field research, obtain information about the company's operations in the information and data, and then use software such as EXCEL and SPSS, and Morduch evaluation of sustainable development information and data on the quantitative analysis of the company's sustainable development, the final two points of view from the macro and micro impact of small loan companies make sustainable development factors and response to these factors, and small loan from the government's own two were put forward countermeasures and suggestions for promoting sustainable development of China's small loan companies to provide some guidance and reference.