Research On Application Of German IPC Micro - Loan Technology In China

In recent years, with the rapid development of economy in our country, the small enterprises in the economy proportion is more and more big, the micro-finance has got great development. Introducing German IPC micro lending technology since 2005, the IPC company has cooperate with many financial institutions, has been a huge success in China, helping a lot of tiny enterprise has obtained the financing is closely related to the livelihood of the people, contributing to the poverty alleviation and development in our country, promote the healthy development of the real economy. In Yunnan province, has a lot of Banks and other non-bank financial institutions the IPC technology is introduced, and has achieved great success, with a certain experience.But for the moment, although domestic for the use of IPC micro lending technology has achieved significant success, but only at the application stage, and the specific application about German IPC micro lending technology in our country the study of the theory of the progress is slow, it also makes our country’s IPC micro lending technology only in practice, there is no perfect summarized the related theories of and guidance.This paper to our country at present the theory of micro finance theory, credit evaluation technology are summarized, and enumerates the current theory of the IPC micro lending technology achievement, and introduces in detail the fundamental principles of German IPC micro lending technology, main characteristics and business process, and on this basis, the selection of the K company field investigation, in the field survey, select a customer, and the concrete research of the company to lend to customers a series of business processes, and K company in Yunnan province for the practical application of the IPC micro lending technology case has carried on the comprehensive analysis, summarized the successful experience of IPC, IPC technology but also points out the exist in the practical application of a series of problems, finally come to the conclusion and in use of IPC technique problems that exist in the corresponding countermeasures and Suggestions are put forward. In order to the practical application of the IPC micro lending technology in our country have certain help, eventually to promote China’s poverty alleviation and development work, and make a contribution to the development of the real economy.