Research On The Micro-Credit And The Construction Of Rural Finance System In Our Country

Since the early 1990s, Micro-finance was introduced and promoted in our country to solve the problem of poverty of the less developed villages and make up the weakness of the poverty reduction policies. With superiorities such as micro-amount and being unsecured, Micro-finance meets the villagers' needs of micro amount and is in accord with the trend of the village finance development, which makes it extend and develop well in the villages in our country. However, in the developing process, it shows a lot of disadvantages such as the weakness in credit management, the unclear orientation of the government's role and the lack of the compensation mechanism for agricultural risk mortgage, which presents a fact that different countries and districts hold different economic systems and culture, we should not copy other country, such as Bengal's credit mode but should design a rural Micro-finance mode for our country's rural development base on some successful cases of other countries.The article begins with the general theory of Micro-finance to address the concept, characteristic, function, mode and developing trend, then summarizing the situation of carrying out Micro-finance in different villages, founding that the weakness of systems and policy limits a healthy and fast development of the Micro-finance. Therefore, base on some successful cases of other countries, the paper propose some suggestions for establishing a suitable Micro-finance system in our rural finance as follows:Strong supports from the government, which includes supporting the development of NGO, introducing formal financial institutions, supporting the development of quasi-financial institutions and enhancing a strong involvement of bonding companies; Perfect system guarantee, which includes the bidirectional training system, the deposit insurance system, the system of judicial supervision, the risk prevention system and the farmers' credit evaluation system;Implement of the management measures, which includes setting up a management idea of "base on the agriculture", developing wholesale funds institutions to promote a continuous progress development of the Micro-finance, establishing a management system to control the risks of the Micro-finance and improve the rural credit situation.