The Analyzes Of The Microfinance And Advanced Cases

Microfinance is non-collateral financial service which provide to low-income crowd and mini-enterprise. It is a special activity for financial poverty alleviation, it has a close relation with credit activity and poverty alleviation activity, but it is a kind of credit essentially. As a kind of financial instrument to assist the poverty and to stabilize the financial order, microfinance has been dispensable in Financial System of China. After some events like the financial crisis in 2008, it is obviously that the demand of private debit and credit has kept growing. Against the background of lacking of government's support to microfinance industry and effective supervision, most creditors hold the guarded attitude.This thesis defines and analyzes in economics the role microfinance plays in Chinese financial industry, combines the regulation of law system to argue and analyze microfinance, emphasizes place of most microfinance institutions are embarrassed except the microfinance organized by credit union and bank. The key is microfinance institutions doesn't has a clear and legal status; Furthermore, the creditor's rights of microfinance is difficult to recourse, prosecute and perform etc which need to resolve urgently in development. On the basis of international economic and financial environment and advanced cases, the author tries to make recommendation of establishing and improving legal system for the further development of microfinance and its becoming the economic means to improve livelihood.