The Development Of Micro-credit Building Inclusive Financial System Research

It is of great significance to develop micro-credit for the developing rural finance and narrowing the income gap between urban and rural areas. In accordance with economic theory and practice, the development of economy in rural areas is inseparable from the support of finance. Therefore, developing micro-credit business has already become an important factor of the development of rural economy and it is practically significant to do research on micro-credit in China. As a creative combination of modern finance and traditional poverty alleviation, micro-credit can facilitate the establishment and perfection of the financial system in rural areas, the development and perfection of financial mechanism in rural areas, increase and improve rural financial efficiency, mobilize and allocate financial resource in a reasonable and efficient way, in order to achieve the harmonious development of rural economy and finance. With the successful experience of micro-credit in rural credit cooperatives in Luoyuan as a case, the thesis summarizes the successful core elements and further discusses the difficulties, obstacles and feasibility of large commercial banks’engagement in micro-credit, and puts forward actual suggestions on large commercial banks’engagement in micro-credit. As the government has decided to establish the modern rural financial mechanism, it is the sense of the thesis to raise the mode of micro-credit and routing selection, which are adaptable to the current rural financial demand in our country.