Research On The Development Strategy Of Xishuangbanna Microfinance Company Based On Game Theory

Since2005to carry out the small loan company pilot for nine years,microfinance company carrying the reform spring breeze, the bumping the rigidity ofthe financial system, current in the inhibition of usury and guide the folk capital toconduct financial business, service "three rural", small micro enterprises, support thereal economy has played a very important role, achieved remarkable results. Themeteoric rise of micro-credit company has become the emerging financial institutionsto be reckoned.But, as a new monetary credit business institutions, as the pilot gradually expand,the petty loan company itself also gradually revealed, including nature, mixedregulation and ownership is not clear, the way is not clear, low financing leverage, taxburden, lack of regulation system, lack of professional talents and social creditenvironment improvement, etc., these problems restrict the sustainable developmentof small loan companies, and development of small loan companies suffered a"bottleneck", has had an unprecedented expansion and transformation, through theimplementation of the purpose of the agricultural and rural development has not fullyrealized. Under the circumstances of the current active folk capital, small loancompanies undoubtedly plays a very important role. How to make good use of smallloan companies, give play to the role of the financial innovation institutions, andguide the folk capital to reasonable use, is the problem to be solved.Model based on the summary of foreign microfinance organization developmentand experience of enlightenment and current situation of the development of smallloan companies of our country, on the basis of analysis, in view of the currentproblems in the development of small loan companies, xishuangbanna, made adetailed SWOT analysis, at the same time, applying the principles of game theory, thedevelopment of small loan companies in the paper analyses the relationship betweenthe main body of game, from the perspective of government management and smallloan companies own construction point of view put forward countermeasures andSuggestions to promote the development of small loan company continued health, including: clarify the legal status of small loan companies and identity orientation,establish GSP to guide policy, intensify policy support, strengthen the construction ofsocial credit system, to purify the financial ecological environment, effectivelybroaden the financing channels, small loan company establish effective money supplymechanism, perfect the regulatory system, build a scientific and regulatoryframework, steadily promoting small loans company business transformation, thecorrect management idea, a clear market positioning, improve the corporategovernance structure, building good internal operation mechanism, strengthenproduct innovation, increase the service variety, to strengthen the construction ofprofessional talent team, etc.