Explore The Financing Mode Of Chinese Micro-credit Company

Since Muhammad Yunus explored small loans for poor people in1976, officially began to operate Grameen Bank in1983, and achieved great success, other countries began to learn from Grameen Bank model. Microfinance loan form originated in Bangladesh, in the last century70’s, Mohamud Yunus founded the Grameen Bangladesh Agricultural Bank in Bangladesh (Grameen, meaning Village) test branch, Grameen microfinance mode begins to form gradually. Yunus proposed to reform capitalism, primitive capitalism advocate is competitive and the profit motive, Yunus proposed to change the capital model and the original. Our country is concerned, the90’s of the last century, along with the intensified economic restructuring, further deepening of enterprise reform, employment and re-employment form caused very serious. In order to play a reasonable allocation of financial support in the reemployment and enliven small and medium-sized enterprises, to stimulate the national economic development and capital, China began to develop the small-sum secured loans in1999, but because of small loans secured business development in China is relatively late, related policy is not perfect, especially the nature of the problem on the mechanism of micro-credit guarantee is not clear, resulting in stimulation of the capacity of national economy Co., in2004the Ministry of Finance issued the "Ministry of finance, people’s Bank of China, the Ministry of labour and social security on the promotion of the laid-off workers microfinance work, financial support policy implementation opinions", small loans to support entrepreneurship policy specific, perfect, so as to promote the development of microfinance. With the development of small loans to promote the work of the financial system and relevant policies, institutions and mechanisms, also at continuously perfect. In2007and2008the CBRC enacted the "guidance" to the China Banking Regulatory Commission on banking financial institutions, the development of rural microfinance vigorously and "China Banking Regulatory Commission, the people’s Bank of China on the pilot micro-credit company management.". At the same time, in2008August, the people’s Bank of China, the Ministry of finance, issued "on further improving the microfinance loan management actively promote entrepreneurship promotion employment notice". The policy system of these policies and the relevant local policy together constitute the small loans to promote entrepreneurship, promote employment. By the end of the first quarter of2013, microfinance institutions of our country presents the diversification, the quick development of graphs. Especially the establishment of the Chinese microfinance alliance, there is very important significance to the integration of China’s microfinanee institution resources.A big problem but microfinance institutions financing mode and the existing problems and innovation is also facing us. Made it clear that the Communist Party of China at the eighteen large and medium-sized, reasonable, support folk capital integration financing, support the development of microfinance institutions, promote its important role in the economic life of the. The form, can be seen on a small Guarantee corporation financing mode and innovation of China’s historic and realistic significance. This text starts in this aspect, the real discussion of China’s microfinance institutions financing modes, problems and solutions and innovation. Hope to the development of China’s microfinance institutions play a positive role.