Research On The Sustainable Development Of Small Loan Company In China

Micro-credit has appeared in the1970s, as a new kind of credit poverty reliefway, it effectively solve the problem of poor farmers fund shortage, at the same time,it make the sustainable development of Small and medium-sized enterprises possible.Since produced, micro-credit has been developed rapidly in the world, its position inthe international credit markets continue to be improved, the successful ofmicro-credit institutions in the word, providing a lot of good demonstration in thedevelopment of micro-credit for our countryIn recent years, China’s rural financial reform to advance, for the agriculturalinfrastructure construction, increasing farmers’ income, make important contributionsto the development of rural economy and rural finance is still facing greater fundinggap, the rural financial system is still imperfect, farmers loans difficult problems stilloutstanding; Behind the rapid development at the same time, the mini, small andmedium enterprises is financing difficult problem to be solved. In order to improvethe rural financial market, solve the financing problem of small micro enterprises,regulate private lending capital, in the policy, driven by China’s small loan companywas born. Internationally, the birth and development of microfinance institutions arederived from the market demand, is a bottom-up initiative of institutional change, andChina’s small loan company was initially dominated by the government, is a simplecopy of Bangladesh pattern, although the rapid development of the first few years, thenumber of institutions and the practitioners, but in recent years the development speedof the slowdown in the overall momentum of development, and sustainable problemsof small loan companies face, Main show is: since there is no into the bank’s creditsystem, to reduce cost and simplify the process of approving, cause its risk aversionability is weak; Most of the small loan company not form a reasonable and efficientinternal governance structure, lack of innovation; Policy discrimination make smallloans company faces the strict interest rate policy, low financing leverage, such asheavy tax burden, micro-credit company’s sustainable problems cannot be ignored.To sum up, combined with the development of small loan companies in China,analyze the development situations for the sustainable development of small loancompanies, the main content of the full text can be summarized as: The first chapter, the important reference of research at home and abroad.System in this paper the scholars at home and abroad are introduced in the definitionof small loan companies, risk control and sustainability issues such as the mainresearch content of the research results. The second chapter, the development ofsmall loan companies in China and operating mode. First analyzes the necessity ofsmall loan companies produce, secondly analyses its development and operatingcharacteristics. The third chapter, the analysis of current situation of the developmentof small loan companies. Combined with the actual situation of our country of thispart, mainly from the expansion rate, loan growth and investment growth aspectsanalyze the current situation of the development, lay the foundation for later study.The fourth chapter, combining the actual situation in our country, analyze the smallloan company’s development. The fifth chapter, microfinance company classic modeanalysis of the case. This part analyzes the grameen bank and modes of the people’sbank of Indonesia, for the sustainable development of small loan companies in ourcountry provides important experience for reference. The sixth chapter, promotecountermeasures and Suggestions for the sustainable development of small loancompanies in our country. In this section, on the basis of previous analysis, in order topromote the sustainable development of small loan companies in our country putsforward the countermeasures and Suggestions for China’s national conditions.