The Development Research Of Xinjiang Bo Zhou Microfinance Company

The establishment of small loan companies effectively solve the \ "SAN nong\", small and medium-sized enterprise financing difficult problem, to standardize and guide the folk capital, compensate for micro, small and medium enterprises financing gap, meet all kinds of people, especially farmers and herdsmen, increasingly rich variety of credit lodge, to accelerate the regional economic health has played a positive role in sustainable development. In 2009, xinjiang began after the pilot micro-credit company, BoZhou form and development of small loan companies have mushroomed rapidly, in BoZhou economic and social development have made significant achievements. At the same time also encountered in developing predicament and pressure from themselves and the outside world. Taking xinjiang BoZhou microfinance company development as the research object, first elaborated the small loan company introduction to the related theory; Second, the BoZhou microfinance company business situation, funding sources, researches in interest rates and risk; Again, from both internal and external factors of the restricting BoZhou analysis about the problem of sustainable development of small loan companies; Finally, starting from the actual situation of BoZhou microcredit company, in the perfect external environment for the development of small loan companies and to strengthen the construction of small loan companies themselves two aspects, proposed the rationalization of policy recommendations.BoZhou since founded in 2010, the first microfinance companies, after recent years of development, as of June 2014 has set up 15 microfinance company. After investigation and research shows that BoZhou microfinance companies in the service of agriculture, rural areas and farmers and small and medium-sized enterprises financing has played a positive social benefit. But because in the early stage of development, in the process of running a series of problems, such as imperfect microfinance company legal protection, identity positioning fuzzy and unclear regulators, corporate governance is not sound, lack of effective risk prevention and control, level of interest rates higher. Papers in the research literature at home and abroad and on the basis of comprehensive analysis of current situation of the development of microfinance company, think BoZhou microfinance company to sustainable development, the relevant departments should improve the legal protection, identity clearly positioning and give microfinance company preferential policy support, clear regulation subject, broaden the financing channels, as soon as possible into the people’s bank of China credit reporting system. At the same time, BoZhou microfinance companies themselves should improve the risk prevention mechanism and the internal governance, innovation business types, reasonable interest rate pricing, establishing the mechanism of introducing talents and training, etc. The last hope that this article related analysis and Suggestions, to promote BoZhou microfinance company sustainable development play a positive role.