| Microfinance from the1990s boarded the stage of history of China’s financialdevelopment has been to boost agricultural development and prosperity of the ruraleconomy and increase farmers’ income has made an indelible contribution, preciselybecause of the presence of micro-credit only makes the Chinese banking sector funds"artery " With access to China ’s vast rural areas," capillary ", the financial drivingforce for economic development was able to effectively benefit a large number offarmers and the poor. Total assets as China ’s largest, employing the largestnetwork covering most comprehensive banking financial institutions, rural creditcooperatives10years has played a major force to carry out the role of micro-creditoperations. Microfinance for rural credit cooperatives provided an opportunity toNirvana rebirth; rural credit cooperatives to play to our strengths microfinanceprovides the best arena. Microfinance business in the1990s appear in due course, sothat rural credit cooperatives was bogged down from township enterprises in crisis tofind a breakthrough in the development business, to regain the community ’sattention; rural credit cooperatives comprehensive network coverage, abundanthuman resources, familiar with the market environment for the rapid penetration ofmicrofinance to rural areas to address the troubled years of the " Three Rural Issues"provides a strong financial support. After10years of development, with thecontinuous improvement of its own institutional mechanisms, the relevantsupporting policies continue to follow-up, the rapid development of the ruraleconomy, rural credit cooperatives in the microfinance business has accumulated awealth of experience, and achieved remarkable results. However, in recent years,emerging out of the new situation and new problems of view, a small amount ofmicrocredit operations, many other items are still plagued by problems inherent inlong-term development of rural credit cooperatives and sound operation. Sincetransformation of government functions, related facilities are not in place, theregulatory authorities extensive management and business risks of microfinance itself prevention, monitoring, resolve, disposal capacity weakened, rural creditcooperatives to carry out microfinance initiative continues to drop. Rural financialmarkets microfinance sharp contradiction between supply and demand and imperfectmechanism for the negative effects of a test of every financial worker. As a ruralfinancial market for many years in the banking industry practitioners, the author ofthe rural credit cooperatives to carry out microfinance business to give a high degreeof attention, and combine their work with relevant units and departments YuanmouCounty extensive data collection and collation, and in recent years, localgovernments and related institutions and microfinance-related policies andinstitutions were classified and finishing. Through investigation and analysis, micro-credit operations both current problems inherent evil, but also the rural creditcooperatives in the new situation without real-time adjustment mechanism andoperation strategy, more government and relevant departments of the microfinanceunderstanding is not deep, the problem of imperfect policy. Strong in the ruralmicrofinance market demand, we have to " work together to make concerted efforts" to play a good role of each role, in order to promote the healthy and sustainabledevelopment of microfinance: To further improve the mechanism of rural creditcooperatives, institutional strengthening, and enhance the ability of various types ofrisk prevention and control; local governments should change the concept formicrofinance to create a favorable business environment; regulatory authorities torefine the regulatory measures, the use of more targeted measures to activelypromote microfinance business development; other relevant departments tointroduce relevant supporting policies, provide an institutional guarantee for themicrofinance... |
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