The Research On The Development Of The Micro-financial Institutions Of Minority Areas

Supporting and accelerating economic development in minority areas has profound significance for economic development and sustainable development in early-liberated, minority nationalities, frontier and poor areas of our country. This article preliminary study the development of micro-finance institutions in minority areas and to give some recommendations. The developing of financial industry is not only important for a small area, and also significant for regions. The general economic development level of the minority areas is not high. There is a large proportion of low-income population in minority areas. The micro-financial institutions are supposed to reduce poverty. Low-income people are the main target customers of these new services. Micro-finance has made a lot of improvements and innovations in poverty alleviation and economic development in many foreign countries. We need to study and summarize the successful operation of micro-finance institutions in developing countries. Based on the full role of micro-finance services to enhance and improve the operation and innovative mechanisms for micro-financial institutions in minority areas, and fully support the sustainable development of minority areas .Firstly, this article briefly describes the purpose and significance of topics. Then it reviews the existing theory on the relevant micro-finance institutions. And then, it introduces some successful mode of operation used by domestic and international micro-financial institutions. Base on those existing instances, it analyzes and proposes a developmental pattern and a new concept of sustainable development for the micro-finance institutions in minority areas. Finally, various risk analysis of the proposed specific development mode is illustrated, and some feasible countermeasures are put forwarded.The structure of this article is as follows: The first chapter introduces the purpose and significance of the research topic. The second chapter is the most important theory part of the combine about the welfarism and intitutionalism in recent years, then put forward a framework of the research of the related theory. The third chapter firstly discusses about the concept of micro-finance, and then draws forth the concept of the micro-financial institutions and the characteristic and function of the micro-financial institutions. And then introduces several successful operations of domestic and international micro-finance institutions. And it proposes the concept of sustainable operations of micro-financial institutions. Then according to relevant theories and facts, the current status and overall develop trend of micro-finance institutions in the ethnic region is analyzed. Based on the previous two chapters, the forth chapter discussed the real development status of microfinance institutions in micro-finance institutions, and discusses the problems which face by Micro-financial institutions in micro-finance institutions from six aspects finally. Chapter five as the last chapter analyses the problems described in previous chapter and comes up with some feasible countermeasures and suggestions, and then summarizes the development of micro-financial institutions in minority areas from macro perspective.