Micro-credit: Problems And Possible Solutions

Micro-credit has been produced in a number of international organizations and countries, with the assistance has been successfully used as a new kind of pro-poor financial instruments. The present stage, China's rural micro-credit mainly by the Government to promote, as a small-scale micro-credit, high cost, unsecured, profitability is generally not high, and lead to higher risk and other characteristics of sustainable micro-credit institutions poor, combined with traditional financial institutions reluctant to provide loans, resulting in China's rural micro-credit development was severely affected. In order to give full play to the rural micro-credit in China's rural poverty alleviation and promoting economic development in the important role ofThis will be the development of China's rural micro-credit status and problems of starting, by drawing on successful experience in the development of foreign micro-credit and domestic micro-credit practice, problems encountered in the process, through the integration of all aspects of the resources to build to improve the rural micro-credit service system for the development of micro-credit in rural areas to create an enabling environment for development, market-oriented approach to facilitate the development of micro-credit in rural areas. Finally put forward some suggestions on the policy, in general, micro-credit in the future development of space and the effect can not be overlooked, but long-term development of China's micro-credit in order, we need a policy on the provision of sufficientThe attention and support, so as to well-coordinated development of China's social productive forces and promote social harmony and the building.