The Rural Microcredit Legal Regulation And Empirical Research Of Our Country

The microcredit is an important loan system in our country rural financial reform, It is a financial products for the poor or low-income groups, and roviding suitable service for specific target customer. It's playing an important role in overcomeing the problem of funds of the agriculture. The rural microcredit has got a dramatic development in our country,Especially in 2001, since the people's bank of China promulgated the microcredit loans management of rural credit cooperatives. But it's increasingly good at the demanding of the Stable legal system. Therefore the discussion of China's rural microcredit legal regulation, to promote rural microcredit, ensure the sustainable development of rural microcredit health running have very important significance.Based on reviewing the development of a microfinance, carding the rural microcredit related knowledge of shandong province, introduces in detail the development of rural microfinance department situation, combined with domestic and abroad throughout the practice experience mode, proposes strengthening rural microcredit legal regulating views. So 1 think that:in view of the current rural microfinance practice in microfinance institutions subject qualification, money supply, interest rates, guarantee mechanism, the credit system, supervision system, some existing problems of microfinance organizations from clear legal subject status, guarantee rural microcredit adequate fund supply, scientific sure rural microcredit interest rate standard and perfect rural microcredit legal supervision system in such aspects as, in the form of law to regulate and further strengthen external guarantee mechanism construction, establish a set of legal norms, operation firm, security powerful rural microcredit development system, and promote the rural microcredit health, sustainable development.