Analysis And Discussion On The Development Of Yunnan Microfinance Company

In recent years, as China’s four big state-owned commercial bank share reform,business chain contraction, little county branch management mechanism, to graduallyfade out the rural financial services. The rural financial service form the basic patternof rural credit cooperatives alone. Rural economic development, especially solve theproblem of the new rural construction development, restricted by a lot in terms offinance, how to solve this problem, how to solve the bottleneck restricting the ruraleconomy development financing problem has become the issue long-termgovernment and theoretical circle.This article from the economics scientist won a Nobel peace prize in2006Bangladesh MoHan, muhammad yunus, on the research of this problem has madebreakthrough progress, created a new type of financial way-with microfinance. Bysuccessful development of Europe and the United States, Asian microfinance modelresearch, through to the Chinese academy of social sciences institute of ruraldevelopment in1993for the first time introduced the bangladeshi microcredit pattern,established the "economic cooperatives for poverty alleviation". Especially since2004, the government launched a series of policies to support microfinanceencourages the development of microfinance. In late December2011, the nationaltotal of4282microcredit company, more than2010at the end of2614and1668,growth rate is as high as64%; Loan balance of391.5billion yuan,2010yuan morethan197.5billion yuan in2010, the growth rate up to98%of as microcredit pointof research and analysis in this paper. Analysis the facing problems and thecorresponding domestic microfinance development policy environment, the commission for the development of private economy in yunnan province, small microenterprises,"three rural" construction, microfinance services development analysisand research of yunnan.As a frontier backward areas, microfinance pilot implementation in yunnan since1992, the development speed is relatively fast, the development of rural economy inyunnan province, especially the rural finance deficiency plays a huge role. Fromyunnan microfinance development present situation and reasons of the plight, themicrofinance development model at home and abroad, this paper expounds the inyunnan rural microfinance of rural economy of yunnan province, and the problemsexisting in the enforcement of microfinance in rural yunnan, the necessary analysisbased on this, advances the basic ideas to solve the problem.