| The petty loan company as the research subject, the concept of a small-sum loan company were described, and the development history of this kind of company in detail. Secondly, the introduction of small company adopts the operation mode, in the process of the analysis, mainly based on nine different levels, for example, type, product design, loans, financing and so on. And mainly from two different aspects are studiedsmall company adopts the operation mode:first, the petty loan company’s credit process; secondly, necessity of the existence of high rates of small loan companies. thirdly, the paper also reviews the microfinance company survival difficulties, legal supervision, business sustainability, economy of scale and sources of financing, credit and credit rating, risk control and guarantee.fourthly, Then a detailed SWOT analysis of the micro-credit company’s current market environment,.fifthly,the successful experience with Bangladesh Graeme Bank and China’s first microcredit model--Sichuan Yelling Human village banks, the paper put forward policy suggestions on the development of micro-credit company.. |
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