Research On The Operation Mode Of Microfinance System In China

With people paying more and more attention to poverty problem, supporting thepoor become the most popular topic of conversation. Microfinance is a term for thepractice of providing financial services to poor people. But because microfinance hasdeal with the poverty problem successfully in some areas and made the creditinstitutions keeping stable development, so it is generally accepted by manyinternational support organization and many government of developing countries, andalso it becomes hot spots of the research in national economy. This dissertation chose todesign and structure a new microfinance operation model to fit our country’s specialsituation.The main points of the dissertation are as follows.(1) It analyses the background characteristic of times of microfinance, and currentsignificance of the research of microfinance. It makes a comprehensive survey of bothat home and abroad about microfinance, advances this dissertation’s content and framearrangement.(2)It reviews the history of microfinance system of our country, explains themeaning, theoretical source, developing situation and social contribution. By analyzingmicrofinance system during different period, it sums up the function and imperfectionof the microfinance.(3) It makes research on the characteristic and successful experiences of GrameenBank in Bengal, microfinance system in Indonesia and etc. According comparing withdomestic microfinance models, it finds out the differences and uses the experience ofother models for reference.(4) On the basis of foregoing chapters, it gives the suggestion to build the newmodel for our country. In the light of service feature and existing problems on domesticmicrofinance, it gives a train of thought about the new microfinance system, includingservice procedure improvement and operation models alternative.(5) It designs a new microfinance system suitable for our country’s situation,including the credit rating before offering a loan to peasants, the Valuation ofmicrofinance interest rate, improving procedure of granting the credit and riskmanagement during later period etc.