Study On The Xinjiang Rural Microfinance Risk Managements

In the early 1990 s,the Rural Microfinance was introduced into China and widely implemented. Microfinance was playing an important role in the realization of China’s rural financial system reform, promotes agricultural modernization and solve the "three rural" issues. Our policy banks, commercial, postal savings banks, rural credit cooperatives and financial companies, etc, to carry out the farmers microfinance business and has achieved remarkable results. At the same time, Influenced by many factors, the sustainable development of Microfinance is also facing many problems,such as Microfinance risks,resulting of farmer credit difficulties, Rural Microfinance prevailing low market coverage,and it is difficult to meet the needs of rural economic development.This paper followed by Xinjiang Hami City selected as the research object, discusses the Xinjiang Hami City Microfinance overall development, it focuses on the risks and causes of Farmers Microfinance, and make the appropriate risk control measures according to the type of proposal. Research shows that farmers microfinance development in Xinjiang Hami region of Xinjiang basically consistent with the overall level,the risks can be divided into financial structure to manage risk, natural risk, market risk, farmers manage risk, credit risk. To suppress and eliminate these risks, we must take appropriate measures, such as attaches great importance to farmers microcredit, focused on building credit management mechanism,strengthen the credit culture construction and constantly improve the rural credit system construction and other four aspects.This paper is divided into six sections:Part I: Introduction. The introduction to the topic of this article, the research background and significance, research review, research methods are outlined, provide a theoretical basis for the Rural Microfinance Risk Control.Part II: Rural Microfinance Development outline and risk type. Firstly, give an overview of Rural Microfinance Development outline and risk types, then Take Xinjiang Hami City as a case study, analyze the city and microfinance development issues, in particular the risk classification and genesis.Part III: Microfinance related measures Xinjiang risk prevention and control, it is recommended. Causes for the second part of the analysis, the main initiatives proposed Microfinance risk prevention and control.Part IV: Conclusions and Prospects. Concludes the paper, furnishings viewpoint,certainly Microfinance Xinjiang made remarkable achievements, point out the problems and the reasons still exist at the present stage of development, and finally put forward suggestions.