The Sustainable Development Of Micro-credit Companies In Guangdong Province

The establishment of Micro-credit Companies is very important to alleviate the funds shortage of issues concerning agriculture, countryside and farmers, as well as medium-sized and small enterprises. On the one hand, it can contribute to directing funds to rural and underdeveloped areas and improving rural financial services, which can improve rural financial services and play an extraordinary role in the new rural construction. On the other hand, it helps to promote the enterprise reputation and make up for the cash flow fracture risk of small business. Although the Micro-credit Companies develop smooth generally, a series of problem still existed in reality, included the source of long – term money is limited, the management cost is expensive, the management constitute level is low, the operation risk is high. If we don’t follow prudent operation concept of development, prevent and defuse the risks of their existence, the Micro-credit Companies are likely to face no longer operating predicament, and even cause the chaos of financial order and society. Therefore, how to make Micro-credit Companies achieve sustainable development and keep them from deviating their orientation in future become a key problem of the Micro-credit Companies sustainable development.This paper takes Guangdong province for example to study the sustainable development of Micro-credit Companies. Firstly, the paper summarizes the theories related to the sustainable development of Micro-credit Companies. Secondly, on the basis of investigation about Micro-credit Companies in Guangdong province, the paper summarizes the problems to be solved. Then the paper analyzes the sustainable development of Micro-credit Companies by evaluating the Micro-credit Companies of Guangdong province from the aspect of market prospect 、financing capacity、development pattern、business capacity and external environment. Based on this, the paper puts forward relevant policy recommendations, in order to find the path to the future direction of Micro-credit Companies’ development, which has important theoretical and practical value for the sustainable development of Micro-credit Companies.In terms of innovation,consider the different economic environment and the different policy will make Micro-credit Companies of different regions face the different problems and take different measures. Different from previous research based on the all national perspective, the paper applies experience according to local conditions and selects Guangdong province as the research object. In the research perspective, this paper believes that in addition to calculating the subsidy dependence index, sustainable development can also reflects from the aspect of market prospect 、financing capacity、development pattern、business capacity and external environment. On the research method, this paper uses a variety of methods synthetically and combines theory with practice for the purpose of extending the research about Sustainable Development of Micro-credit Companies.