Small Loan Company Sustainability Research Funding

In order to promote the development of rural economy,make up the blank ofrural financial,sunshine and guide the folk capital,in the first half of2005,The people’sbank of China decided to implement small loan company pilot,which is mainlycomposed of private capital investment,in ShanXi,ShanXi,SiChuan, Guizhou andInner Mongolia five provinces.In May2008, the China banking regulatorycommission issued "on the small loan company pilot guidance",providing policyguarantee for the establishment and development of small loan company. Since then,the China’s small loan companies rapidly grow,the number of small loan companiesis increasing across the country, the rapid rate of growth-as of June2012, thenational total of5267micro-finance company.Small loan company plays an important role in the economic development ofChina. However, the developing small loan companies face a series of problems,especially financing problem, almost all the small loan company operators call andeagerly desire to solve it, in order to make long-term sustainable development ofsmall loan companies, sources of funding problem is imminent. This paper mainly inthe system level and operational level, thoroughly analyzes of the sustainability ofmicro-finance company capital source problem, further confirms that funding is oneof the biggest bottleneck for the sustainable development of small loan companies inour country, on the basis of the existing theoretical research, draws lessons from theinternational successful model of sustainable operation, provides sustainable fundingpolicies and suggestions for the sustainable development of small loan companies inour country.