Study On Sustainable Development Of Small Loan Companies In Shandong Province

Micro-credit originated in the Grameen Bank which founded by Bangladesh professor Mohamud Yunus. Since its appearance, it shows strong vitality and develops rapidly in Asia, Africa, Latin America and other developing countries.Small loans become the effective way to help the poor. Because of the Grameen Bank, Professor Mohamud Yunus won the Nobel Peace prize in2006. China also began to study and introduce the Grameen micro-credit mode in the last ninety’s century and started to make experiments in five provinces in2005. spread to the whole country in2008.Shandong province began to carry out the micro-credit company in September2008. Since the pilot work began, the micro-credit company spread quickly in the whole Shandong province. To a certain extent, it eased the financing problem of rural areas and small and medium-sized enterprises and played a positive role to the economic and social development. But as a new thing of financial innovation, the problem exposed cannot be ignored. In this context, to explore the sustainable development of micro-credit companies and promote the sustainable development of micro-credit companies in Shandong Province has an important theoretical and practical significance.This paper takes micro-credit companies of Shandong province as the research object, through the methods of normative comparative and empirical analysis to analyses the problem existed in the micro-credit company of Shandong province. The main contents of research are:firstly, discusses the background, significance of this subject.then described the theoretical research of the micro-credit development and the status quo at home and abroad. Secondly, discusses the foreign experience, and analyzes the practical situation in our country in order to enlightenment to the development of our micro-credit company. Thirdly, from a macro perspective, investigated the pilot micro-credit company in Shandong province by questionnaire survey and data analysis, interpreted of the micro-credit policy in Shandong Province, analyzes the loan、financial situation of the micro-credit company in Shandong Province and studied the existing problems in the pilot process. Fourthly, take the C micro-credit company in B district A city as an example, from the micro perspective analyzes the existing situation, operation situation and problems of C micro-credit company.Fifthly, first of all, study on the path selection for the sustainable development of micro-credit companies in Shandong Province, and according to the analysis of the problems, promote policy recommendations of the sustainable development of the micro-credit company in Shandong from the macro and micro angles. Finally, hope to be able to offer some reference for the sustainable development of micro-credit companies in Shandong province.