Study On Problems And Countermeasures Of Rural Microfinance Company Development In Hunan

With the constant innovation of financial system, under the small loan company has a new star rising in the financial industry in China. Not only fills a gap, the rural financial but also to a certain extent, improve the financial system of our country. The rapid development of small loan companies, not only make the "three rural" service problems eased, but largely promote the development of the social employment, more important is that it reflects the social fair justice, laid a solid foundation for the country’s economic development. But at present the company has not yet mature, there is a management system is not perfect, the legal basis is not clear, wide source of financing, financing costs less and poor financial management foundation, the development target fuzzy, the phenomenon such as weak ability to resist crisis. Therefore, the study of rural microfinance company for rural development, rural economic development has very important significance.Based on the hunan rural microfinance company as the breakthrough point, first of all, to explore the background of rural microfinance companies, to explore the value, the exploration targets, global analysis of the situation and the article elaborates the way of exploring; And then the related concepts and development of small loan companies in the related theoretical basis, the theory basis for the development of its mainly include imperfect competition theory, transaction cost theory, endogenous growth theory, agricultural financing theory and information economics theory, etc.; Second, the analysis of hunan province, the company’s current situation and development of the crisis, now in hunan province rural microfinance service "three rural" achieved the corresponding results, the development status of present development speed, wide range of distribution business, business performance is in good condition and the current situation of policies and regulations constantly norms, but also in the process of its development and the corresponding problems, mainly from the external and internal problems respectively discussed the corresponding; Again, affecting the development of hunan rural microfinance companies in the influence factors of existing problems are analyzed, due to four factors, namely, market environment factors, profitability, operation risk and financial regulatory factors; Finally, according to the government and rural microfinance company’s own analysis of hunan province, the development of the small loans company put forward a series of countermeasures, to strengthen the construction of rural microfinance companies themselves respectively, perfecting the relevant laws and regulations, and broaden the rural microfinance company financing channels, to improve the oversight system for rural microfinance companies, promote rural microfinance company property transformation.