Study Of Chinese Rural Micro-credit System

Finance is the key to economic development and so rural finance plays a vital role in the rural economy development. How to provide the financial services to the rural population is the issue must be resolved for rural economic development and has always been a challenge for governments. From international experience, the practice of microfinance and development provides a new way of thinking to address this issue. The microfinance is not only an effective anti-poverty means that can help poor farmers to develop agricultural production and get rid of poverty, but also a new rural financial institution, which has relieved the tensity in the supply and demand situation of rural finance, promoted the development of "Three Dimensional Rural Issues" and the reform of rural financial system.Since microfinance was introduced into China as a means of alleviating poverty in 1994, it has got rapid development and achieved good results. However, with the rapid development of microfinance, a lot of problems is exposed and how to achieve sustainable development has become the main issue which microfinance is currently facing, because that there are still many deep-seated contradictions and problems have not be resolved. And resolved the problems of rural microfinance is not only conducive to their own survival and development but also help to solve the financing problems of poor farmers,improve income distribution, and perfect the rural financial markets. Therefore, the study of how China's rural microfinance to seize opportunities and access to their own sustainable development in the new situation of rural financial system reform and new rural construction is of great significance.The article firstly using the combination of normative and empirical analysis methods explain the theoretical basis of microfinance's existence and the importance of sustainable development of rural microfinance, which was carried out to pave the way for the following study. Then the article used scientific methods, such as logical deduction, inductive inference, macro-analysis, micro-analysis to explore the evolutional courses of the development of our rural microfinance. And through the comparative analysis of three international microfinance model that sum up the lessons learned to solve the problems of rural microfinance. Then, the article analyzed the rural microfinance's difficulties from four areas that the reality of risk, supply and demand, management, personnel. On this basis, the article advanced the policy for china to achieve sustainable development of rural microfinance, contained that control credit risk,improved the supply and demand, strengthen management supervision, optimize employment mechanism.