YF Microfinance Company In Haebin Development Countermeasure Research

As a representative of microfinance, the Grameen Bank(GB) began rapid development in Africa, Asia, Latin America and other countries and regions since the 1970 s, promoted reform and development of financial system all over the world. In 1994, micro-credit was introduced to China for the first time. In 2005, the PBOC, CBRC chose five pilot provinces for micro-credit companies. In 2008, Heilongjiang Province began pilot projects for micro-credit companies, which have become an irreplaceable new financial strength during gradually development,and have made contribution to the richness of the financial system as well as the harmonious development of economy and society.Combined the findings of experts and scholars at home and abroad with the author's working experience, the paper collated the development and problems of micro-credit companies in Heilongjiang Province, and put forward suggestions for future development. Firstly, the paper system combed the development of micro-credit companies. By analyzing the indicators of the development of micro-credit companies, such as loan remaining sum,destination of loans,the paper fully identified causes of the existing problems, analyzed strengths and weaknesses, opportunities and challenges of the micro-credit companies. Using the SWOT analysis, the paper analyzed the developing environment of YF micro-credit companies and gave two ways for local governments to further develop micro-credit companies: creating a favorable environment for development and exploring their own path of development actively.