A Study On The Sustainable Development Of China's Rural Microfinance

"Three Rural Issues " is a fundamental impact on our social and economic stability and development and modernization process,so solving the " three rural issue" is the top priority of government policy. Practice shows that the rural microfinance, as a policy with dual function of the financial system and mechanism for helping the poor,can help poor farmers to develop agricultural production and get rid of poverty,but also a new rural financial institution,which has relieved the tensity in the supply and demand situation of rural finance, Promoted the development of"Three Dimensional Rural Issues"and the reform of rural financial system. The microfinance emerging in our country developed rapidly more than Twenty years history, especially after 2005, with impetus of the Government and the central bank, with the support of the rural credit cooperative microfinance projects,with the establishment of commercial microfinance companies, with supporting and development of the Agricultural banks and postal savings banks, Private capital flow into the microfinance market, plus non–governmental microfinance institutions,microfinance has made rapid development and remarkable achievements have also fulfilled in anti-poverty and the development of rural finance. But there are still many factors in Microfinance constraint their sustainable development.The papers concentrate on the development of rural microfinance status, analysis various factors of impeding the development of rural micro- microfinance , looking for Feasibility proposal in microfinance system and policies to support for China's rural microfinance to further sustainable development .The full article is divided into five chapter,specific contents are as follows: This chapter based on micro-credit practice, under the guidance of the teacher Pei, established the research theme. The clue research content and research methods are determined after review of literatures home and abroad. This chapter also offers the possible innovations.The chapter2 introduces the theory of microcredit. This chapter describes the theory of microfinance, including the definition of microfinance, the meaning of sustainable development and use of financial repression and financial deepening theoretical analysis of micro-credit interest rate policy ,setting for the theoretical basis for later analysis. The chapter3 analyzes the development of microfinance in rural China and problems. Microfinance institutions will be classified as two types of institutions, such as financial institutions and non-formal banking institutions, the organization of the main financial institutions includes Agricultural Bank of China, Postal Savings Bank, non-formal financial institutions mainly refers to small organizations To carry out the credit companies and some private microfinance projects. And the current practice of China's rural micro-credit to sum up the problems, the current supply of microfinance institutions can not meet the current needs of farmers and inefficient.In the fourth chapter analyzes the reasons for these problems, which are grouped into three categories: policy barriers, operational barriers, operational barriers. Basing on the comprehensive problems in chapter4, basing on the comprehensive analysis, the paper introduced several Specific measures to improve the rural microfinance. Finally, I put forward specific proposals how to build a sustainable micro-credit system,After that,the paper raised the new model of microfinance,and the conditions of development of rural microfinance, which may or may not have now.