The Reserach On Development Of The Difficlties And Countermeasures In Micro-Loan Companies

Micro-credit companies have gradually grown into a new force and play important roles in China's financial system after 10 years of development and reform. Its origin is the pilot project implemented by People's Bank of China and China's Banking Supervision Committee in Sichuan and other places in 2005. Since then, micro-credit companies have developed greatly either in system construction, company operation and maintenance or product marketing and brand promotion. With the issue of agriculture, farmer and rural area becoming an extremely important link in China's development strategy, it helps farmers, small and medium enterprises and so forth to solve the financial problems, promote the implementation of cause of agriculture, farmer and rural area, and is extremely helpful for China's economic development and social progress. However, though it develops very rapidly, its internal problems still exist, and the more common problems include unclear legal position, the lack of capital reserves, and no strong risk control ability and so on. This paper studies and summarizes problems existing in China's micro-credit companies at current stage, analyzes the reasons for the cause of difficulties, and puts forwards methods for helping them achieve sustainable development from both macro and micro perspective.This paper is divided into five parts. The first chapter introduces the micro-credit and other basic concepts, explains the difference between the micro-credit companies and traditional banks. The second chapter studies the current basic status of micro-credit companies in China, introduces their development history over the years, makes a detailed analysis on their development situations and characteristics in the context of China's economic environment, and summarizes their basic status in terms of operation at present. The third chapter is mainly targeted at a series of problems in micro-credit companies, makes detailed introduction and analysis, and sums up the difficulties of five aspects through the literature retrieval, practical statistics and other ways, and then analyzes the reasons specific for these difficulties from multiple respective. The fourth chapter proposes methods and measures to guarantee micro-credit companies to achieve stable and healthy development on the basis of the first three chapters, and not only carried out strategic analysis on a macro level, but also gives detailed suggestions on a micro level. Finally, the research results of this paper are summarized.