Bengbu City Y Small Loan Company Research Report

Micro-Credit Company, the innovative finance institute only lending but not absorbing funds from public, is established to provide more access to financial services and lower financing cost in rural area. Since2005, the trials of micro-credit companies have been conducted in5provinces of China. Moreover, micro-credit companies are developing rapidly. Micro-credit company, the result of further finance innovation, contributes to activating finance market of rural area, improving finance system in rural area, and changing monopoly position of traditional commercial banks in leading market. However, as a new-born finance institute in China, micro-credit company cannot develop along a mature and clear path, and the existing development pattern still has many flaws. Therefore, it is necessary to learn more about sustainability and potential problems of the development of micro-credit company. Based on relevant data and references, figuring out factors hampering sustainable development of micro-credit company in Anhui province helps to improve the influence of private lending funds in finance market. The dissertation is divided in five sections.Introduction section introduces the background of the dissertation, methodologies and conclusions of relevant research.Section two introduces categories of micro-credit companys’patterns of sustainable development and their basis, providing theoretical base for following case study of sustainability Y firm.Case study of Y micro-credit company is conducted in section three to analyze its development and potential problems and comment on the sustainability of Y company by first-hand data and relevent theories.Section four explain obstacles of sustainable development of Y company and possible reasons behind status quo.Advices of sustainability of micro-credit company are given in section five.