In The New Financial Situation, Our Country Folk Microfinance Development And Research

How to provide microfinance folk financial services, is the economic development of problem to solve, must have been governments challenges. Microfinance development to solve the problem provides a new train of thought. Microfinance is on the traditional formal financial institutions and informal financial institutions credit, the result of the innovation for the poor as the innovation of financial tools, microfinance in some areas the success that caused the developing countries of concern and using for reference.Our country folk financial market development is relatively slow, the credit capital is the contradiction between supply and demand is outstanding, the government poverty alleviation interest loans operation efficiency is not high, it is difficult to radically change the folk financial market conditions, to adapt to the needs of the development of folk economy further. Our country folk financial reform and innovation in the current stage of the main direction for cultivating diversified folk:financial institutions and organizations, to establish and perfect the mechanism of competition of the financial market, make folk financial institutions and organizations of the folk economic function of support maximization. Folk microfinance it is in this context introduced into China in private financial market, in order to form the pattern of diversification and promote folk financial institutions and the organization and the change of direction.As a financial innovation achievements, folk microfinance in the development of our country experienced NGOS into, agricultural bank and government departments, rural credit cooperative promotion imitation poverty alleviation and commercial microfinance companies, such as the four stages. Interest rates, the functions of the government's position, non-governmental microfinance organizations status and future development, microfinance organization staff quality and so on are the influence and restriction folk microfinance smooth development in China and the key factors of private financial innovation. In the new situation, the folk microfinance development as a golden opportunity to advance our country folk financial reform and innovation of the financial control, from folk relaxation, the transformation of government functions, transformation of the relevant laws and regulations of the continuous improvement, focus on the development of commercial folk microfinance, try hard to form of diversification, the competition order, vibrant private financial market.The article is divided into five parts. Chapter 1 is introduced in this paper to choose a background and significance, study of thinking and framework and research method and the technical route. Chapter 2 of the folk microfinance and developing course, folk microfinance stage form, folk microfinance legalization, Chinese folk financial markets and microfinance theory are introduced and analyzed, and the domestic and foreign relevant microfinance is reviewed in this paper. Chapter 3 for the legalization of folk microfinance mechanism and standards, to the folk microfinance operation mechanism is discussed, and from the legislation, financial access to aspects of the legalization of folk credit standard is defined, and analyzes the significance of folk microfinance legalized and possible problems. Chapter 4 to empirical analysis method of Wenzhou, folk microfinance and bank credit as the research object, of Wenzhou folk microfinance in present situation and Wenzhou bank credit funds of the new characteristics, based on the analysis of the folk microfinance and bank credit funds of the mutual influence between the analysis. Chapter 5 obtained the conclusion of this study, and to promote the healthy development of the folk microfinance offer reference for countermeasures and Suggestions.