The Research On Service Of Rural Micro-credit Finance In China

In the last30years, the rural micro-credit financial services has been researched and practiced all around the world. This kind of micro-credit financial services, which aims at anti-poverty as well as promoting development, has drawn so much attention from many countries since the day of its emerging. Although the research and practices of rural micro-credit financial services has been taken place for over twenty years in our country, it began to arise extensive attention only in recent years.Since the90’s, domestic academia has done large amounts of theoretical research on how to provide a better rural micro-credit financial service. These studies have not only been efficient guidance for the successful promotion of rural micro-credit business, but also eased the difficulties of financing problems among rural poor, low-income families as well as the small and micro enterprises.Therefore, this research takes the rural micro-credit financial services as the main subject, which based on the basic and sustainable theory of the past studies regarding to this subject. Firstly, this research begins with exploring the four typical patterns of rural micro-credit financial services developed overseas. Then, it further researched the four type experiences of the rural micro-credit financial services abroad. Furthermore, combing with the rural micro-credit financial services, it presented four aspects of essential inspirations based on the above research. Generally speaking, based on the syndrome of development stages and evolvement of related policies and rules since the introduction of rural micro-credit, this research reveals the essential problems exists in rural micro-credit financial services comprehensively.Based on the above studies, this research further forecasts the development prospects of rural micro-credit financial services in the near future in China and provides several advices as following:establishing the efficient legal framework and regulatory system of the rural micro-credit institutions, defining its legal status and supervision system; attractive profit’ space should be provided by related polices to make sure the successful healthy and sustainable development of the rural micro-credit business; starting with establishing the diversified market players and encouraging the development of variety grass-roots financial institutions; vigorously promoting the innovation and the risk control ability of rural micro-credit financial services.