Research On Sustainable Development Of Micro - Credit Companies

The microfinance poverty alleviation form was introduced into our country in the 1980 s, the first pilot area in some conditions are ripe. With the development of economy and the deepening of the reform of the financial markets, in 2005, in order to make up for low-income groups and small and medium-sized enterprises in the financial products in support of the blank, at all levels of government agencies in support, began to pilot in some areas, and then into the country, meet the demand of rural economic development and small and medium-sized enterprise financing. In recent years, the national policy support of small loan companies, the rapid development, to promote rural economic development and solve the problem of financing difficulties of small and medium-sized enterprises play an important role. Nonetheless, in the actual operation process is also facing many problems restricting the development of its continued, such as the external environment, main show is mixed regulation is not clear and so on, only to borrow without limit; Internal construction, main show is pricing mechanism is unreasonable, lack of innovation, lack of risk control and so on, so it is necessary to study and explore measures to resolve.Domestic and international numerous scholars and financial practitioners attention and attach importance to the sustainable development of small loan companies, but its main focus on from the macro level of policy, the phenomenon was described, less research on micro level; Most studies have focused on theoretical research, qualitative analysis and quantitative analysis, the lack of practice; The proposed Suggestions aim at government level, and specific to microfinance company should be how to carry out internal construction, involving less, lack of operability. Paper according to the existing research results about the scholars for reference, in order to suit the specific conditions of our country for the purpose, using both qualitative and quantitative analysis methods, analyze the xi’an A small loan company’s actual operation, through the analysis of all kinds of domestic and international successful operation model, learn from their successful experience, combined with the domestic situation, from two aspects:the external environment and internal construction, analyze the limiting factors for the sustainable development of small loan companies, and put forward corresponding Suggestions.But this paper also has disadvantages:(1) only in xi’an A microfinance company on the basis of actual operation, did not involve different regional economic development, income level differences on the influence of the sustainable development of small loan companies. (2) due to the limitation of data source, the quantitative study of sustainable development of microfinance. (3) in this paper, from the aspects of financing function of single analysis of small loan companies, not involved in its influence on the similar functions of other financial institutions, the change of the market share, role in the formation of multi-level financial market.The full text is divided into seven parts, chapters specific content is as follows:The first part of the introduction. Elaborated the research background and significance of existing research results of summary analysis, this article research direction, methods and ideas.The second chapter introduces theory summary. Definition of microfinance, small loan companies, and the category of microfinance institutions, this paper theory and operation mechanism for the sustainable development of small loan companies, make according to the analysis for the rest of the article.The third chapter is about microfinance sustainable development analysis of the company. Introduction to xi’an A state of the organization form of small loan companies, business, with capital utilization rate, profitability, and credit risk index, quantitative analysis to evaluate the sustainable development ability, and points out its restricting factors.The fourth chapter is the analysis of the successful operation mode at home and abroad and the enlightenment. Through the analysis of all kinds of domestic and international successful operation model, combined with China’s national conditions, summarizes the evaluation concluded that revelation.The fifth chapter introduces restriction factor analysis for the sustainable development of small loan companies. Two levels from the external environment and internal construction, analysis of inhibiting factors for the sustainable development of small loan companies.The sixth chapter is how to promote the sustainable development of small loan companies. From two aspects:the external environment and internal construction forward some Suggestions for promoting the sustainable development of small loan companies.The seventh Chapter is conclusion. Summarizes the research results and deficiencies of this article.