| Small loan began in the1970s, from its birthplace Bangladesh gradually spread to the world, poverty alleviation and promote employment is one of the effective measures. Small loan has been practice in China for more than thirty years, which provides new thinking for China’s poverty alleviation and the employment promotion work. Especially when the individual and private economy is developing fairly fast, small loan programs in promoting employment has played an important role, which provides financial support for many small and micro businesses and projects. This paper analysis China’s small loan model characteristics and functional, meanwhile comments them, reveals their inner link and function relation. This paper selects the Jiangxi province Yichun City Y District small loan operation management as the research object, the small loan three key issues that capital channel, service mode, system environment to carry on the discussion, analysis of the typical problems. At the same time, this paper lists developing country typical microfinance programs, some of developed country small business start-up projects as well as China’s small loan project operation management, sums up their practices and practice enlightenment.the paper aims at the situation that lacks of government guidance, puts forward some aspects of the countermeasures, such as perfecting the laws and regulations on small loan, increasing tilts policy, strengthening government supervision function, increasing the effective supply of public goods, building and developing community credit system, perfecting the small loan organization system. Under China’s current economic and social conditions, especially in less-developed areas, small loan work must insist on a model that combinates micro-credit and the small secured loans, support from the government and folk combination of capital operation, the various patterns between mutual complement, mutual support, forming an stereoscopic small loan system. |
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