Research On The Current Situation Of “Three Rural” Of Small Loan Company In Jiangxi Province

For a long time, banks in loans have set a high threshold for "agriculture, rural areas and farmers” and microfinance companies, which restricts their development, also China’s economic. In order to solve this problem, promote rural economic development and broaden the financing channels for microfinance companies, our country decided in five provinces to carry out the small loan company pilot job in 2005, after two years, the pilot has achieved remarkable results. Thus, May 4, 2008, the CBRC and the central bank jointly issued "on the small loan company pilot guidance" to expand pilot job throughout country. The document not only described the definition and nature of small loan companies, but on the number of shareholders, funding sources, and regulatory aspects of the use of funds made a clear provision. As of September 2015 there were 8965 small loan companies, loans RMB950.8billion, what has made important contributions for China’s rural financial and microfinance companies’ development.It is a major agricultural province of Jiangxi Province, but rural economic development of backward, agricultural productivity is not high, the majority of farmers do not enjoy the diversity of financial services. The Government in Jiangxi responded positively to the call of national policy to promote development of “agriculture, rural areas and farmers” and microfinance companies, in 2009 introduced the "small loan company pilot Jiangxi Province Interim Measures" and other documents so that full implementation of micro-credit company pilot work. As of September 2015, Jiangxi Province have set up 221 small loan companies,employees 2905 people, paid-in capital of RMB 23.532 billion, loan balance of RMB 26.396 billion. To a certain extent, the establishment of small loan companies solved the problem of financing for farmers, even broadened the financing channels for small businesses in Jiangxi Province. But, after all, small loan companies were emerging credit institutions, still in the immature stage of development, so it showed the status of powerless when the service“agriculture, rural areas and farmers”, with a growing number of microfinance loans to invest in the wealthy crowd. If happens same circumstances among small loan companies of Jiangxi In view of this problem, this paper based on the relevant data Nanchang in recent years,analyzed the current situation in Jiangxi service “agriculture, rural areas and farmers”. The thesis consists of six parts, as follows:The first chapter mainly introduces the background and significance of this paper, andthen explains the research methods, content of the article and structural framework. The second chapter mainly introduces the definition and feature of microcredit and small loan company, relevant theoretical foundation of microfinance, literature review about home and abroad.; The third chapter mainly discusses current situation of the development of small loan company in China, followed by analysis of the development of small loan companies in Jiangxi Province; the last, based on 2011--2014 statistics data of Nanchang microfinance companies,economic development of the city in Nanchang, analyzes the current situation of the development of small loan company. The fourth chapter is the empirical part, this chapter has two parts empirical analysis. The fourth chapter is empirical part. This chapter has two parts empirical analysis, firstly, according to the city, data of small loan company in recent years, the selection of indicators of measuring service capacity of small loan companies,analysis perform, results and reasons. The other part empirical analysis, according to the previous results, analysis influences about loan structure to operating performance of Nanchang small loan company, summarized the results of the empirical; it is more intuitive explanation of the above phenomenon. The fifth chapter puts forward corresponding advice.The last chapter is to summarize the research achievements obtained of this article,summarizes some problems may exist in this article and future areas needs to be improved.