Research On Rural Micro-credit Risks

In the world, poverty is a widespread social phenomenon, meanwhile, the poor people have many characteristics, such as the small credit needs scales, lack of an effective way of security, live scattered, liquidity, capital use mixed in the production and consumption, it is difficult to meet the formal financial institutions' loan conditions and requirements, making it difficult to access to obtain financial services by formal financial institutions. Therefore, how to provide financial services to poor people must be to solve in rural economic development, but also it's a major challenge facing by all governments currently.Micro-credit is a small amount and sustained credit services activities provided to low-income groups. The specific target customers are the poverty or low-income groups, and provide financial products and services for this class of customers. The 20th century,70's, the Grameen Bank invented micro-credit model, it's extending around the world, millions of people is receiving micro-credit in the world, and have invested hundreds of millions of dollars. At present in China, more than 260 micro-credit experiments have been carried out throughout the country, as many other countries, these experiments are very successful, the effect is visible in poor households, high repayment rates, high investment rate of return, and women's participation and so on. However, due to high risk characteristics of the rural micro-credit, leading to the organization implementing the rural micro-credit hold an extremely cautious approach to the rural micro-credit, the application procedure is very complex, it's seriously block the development of rural micro-credit. Therefore, the study of the impact factors of rural micro-credit risk has important theoretical significance and practical significance to the scientific understanding of rural micro-credit risks, and promoting rural micro-credit development sustained and healthy.In this paper, research direction is the risk of the rural micro-credit risks, at first, reviewed the rural micro-credit theory and research results that abroad and at home, studied and discussed practical model of micro-credit and foreign successful experiences of the micro-credit risks, based on the status of China's micro-credit and problems, pointing out revelation that the successful experience of foreign micro-credit to the development of China's micro-credit, analyzed two aspects of micro-credit risk control by game models, on the one hand the game of farmers with credit institutions, and On the other hand the game among farmers, finally on the base of the previous research and game analysis, put forward recommendations on China's rural micro-credit risk control.The full-text is divided into five parts:Chapter 1:the preface, which mainly describe the research background and research significance, point out that this research contents and methods, review the profile of domestic and foreign research and briefly describe the principal innovation of this paper.Chapter 2:the theory of micro-credit and successful experiences of foreign micro-credit, at first introduce the theory of micro-credit and the practice model of the micro-credit currently, analyze and point out the successful experience of foreign micro-credit, discuss the current status of China's micro-credit and problems, finally take the conclusion of the successful experience of foreign micro-credit for the development of China's micro-credit.Chapter 3:game analysis of the micro-credit risk control, game model used in this chapter, research on two aspects from the farmers with credit institutions and the farmers, pointed out that the game relationship between the participants, it builds a theoretical basis for the future study of the micro-credit risk control.Chapter 4:recommendations to China's rural micro-credit risk control, this chapter on the basis of previous research, put forward recommendations on China's rural micro-credit risk control.Chapter 5:Conclusion, pointing out the inadequacies of this paper.