Research On The Rish Management And The Countermeasure Of Rural Microfinance In China

Since the Nobel peace prize winner muhammad yunus founded agricultural bank of Bangladesh Grameen(Grameen,means the country)test branch in 1974,from now on,represented by the Grameen bank's microcredit model began to rise,this in eliminating poverty,promoting agricultural economic development has a profound impact,along with our country at the end of last century since the introduct on of rural microfinance model,after 20 years of development,from a single international donor and government subsidies to commercialization,has formed a system more perfect,the level of clear,fully equipped with kinds of microcredit model,at the same time,the scale of small loans are also growing,as of 2014,the country has 72 million farmers enjoy the 201.2 billion yuan of loans,the coverage of accounted for 31.4%of the total households visible,rural microfinance in support of agriculture,rural areas and farmers,to promote the livelihood of the people play an important role.Although microfinance institutions developing rapidly,but in the high speed development also faces many problems to be solved,such as imperfect system,risk control does not reach the designated position,and so on,these will affect the pace of the new socialist countryside construction in China,this article is aimed at these problems to make some beneficial discussion.In this paper,using literature research,theory analysis,of the system research the rural microfinance in China and faced with the problem are studied,and Suggestions are given to solve these problems.First of all,this paper analysis the research object of literature at home and abroad,to follow the latest developments in the forefront of the present situation,for domestic and foreign experts and scholars put forward the theory of in-depth thinking.Secondly,this paper studies the basic theory and method of credit risk management,and financial risk control process generally,further study of the function relationship between interest rates and money supply,which is an important theoretical basis of rural microfinance.Then,this article system elaborated the origin and development of rural microfinance in China,the main risks as well as the present situation is analyzed.Then,the paper puts forward rural microfinance faces three big risk,management risk,credit risk,environment risk)of the specific reason analysis,through the establishment of scientific regulatory framework,we will accelerate reform of the government,build system of risk compensation,at the same time innovative microfinance mechanism and preventing the risks of the three specific measures to step by step to achieve the purpose of scientific management of small loans.Finally,by building a small loan risk assessment,control table to further reduce risk,improve the efficiency of microfinance.