The Sustainable Development Of Small Loan Companies Of Our Country

In2005December, with a series of our country microfinance policy plan failed, the microcredit companies set up for helping poor. Micro businesses and farmers are the microcredit companies main service targets, microcredit companies which develop so far in china has been growing six years. In this six years, all field personage paid attention to the development of microcredit companies, researchers on theory analyzed microcredit companies’development situation from every aspects, problems in development and solutions; researchers on practice found the core question which restrict microcredit companies’persistent development, and appealed the new improved scheme.This paper researches the continuous development of our country’s microcredit companies from a macro perspective. This paper takes sustainable development theory as the theory basis, analyze microcredit companies’macro background, main characteristics in operation and operational problems leaded by the macro policies. The result shows, China’s microcredit companies provide a good way for farmers loan and small businesses corporate finance, however, there are still some problems, we provide policy recommendations to the macro policy environment of restrict microcredit companies continuous development.This paper is divided into six parts, each chapter as follows:The first chapter is the introduction, in this part, we mainly elaborate the paper research background, significance, and consider from microcredit companies set up to study its sustainable development is not only good at determine microcredit companies long-term development goals, at the same time but also enrich our rural financial market and provide strong financing platform for farmers and small and medium-sized enterprises.The second chapter is the summary of the theory, we firstly elaborate the connotation of microcredit companies and the differences between commercial banks and microcredit companies. On the basis of the understanding of microcredit companies, we analyze some related microfinance theory and application of those theories. The third section explains the theory of sustainable development, focus on the analysis of sustainable development of microfinance institutions. The third chapter is the key part of the article, this part analyzes the operating situation of China’microcredit companies by exampling the first batch of seven microcredit companies from the following four aspects:loan objects, loan ways, loan interest rates and loan process. Based on the analysis, we find that there are still some problems limiting microcredit companies which should be solved.The fourth chapter basing on the problem mentioned above, analyzes the successful experience of international microfinance, for example Bangladesh Rural Bank, Indonesia National Bank and Bolivia sunshine bank and so on. We analyze the successful experience of their sustainable development and the enlightenment to the development of our country microcredit companies.The fifth chapter basing on a series of elaboration before, provides microcredit companies’long-term sustainable development with the policy suggestion from the macro perspective.The sixth chapter is the paper’s conclusion. This part summaries the article, and puts forward the shortages in the research and the direction of next research.