Analysis On The Development Of The Micro-finance For The Peasant In China

Rural poverty has been the great barrier in the development of our country. In the recent years, in order to develop country economic efficiently and raise the peasant's income, the central government issued continuously several NO.1 official documents concerning agriculture, rural areas and farmers. Without the financial support, peasant's self-development can't be increased. However, because of cautious and needing of decreasing risk, Credit association wouldn't loan the peasants and meantime the peasants can't apply for the loan.The micro-finance for the peasant alleviates the above-mentioned problem. But what a pity is that the world successful model such as GB and UDS are all in the dilemma as to poverty alleviation or sustainable development. From the practice of the micro-finance for the peasant in our country, there are some special problems on the loan design, operation and management besides the same as GB and UDS. Therefore, for producing a marked effect on poverty alleviation, it is necessary for us to make a positive analysis deeply on the background, current development and problems of the micro-finance for the peasant.Based on the origin of the world micro-finance and its typical model, this dissertation makes use of detailed date and instances and analyzes the system summary of the micro-finance for the peasant enforced by the credit association and the action achieved. Then, taking Zhejiang for example, this dissertation analyzes the problems being existed on the development of the micro-finance for the Peasant in China which including obvious institutionalism, deficiency on system and management failure. So to solve these problems, the author argues that first of all, measures should be taken to decrease the loan risk. At the same time, the creditassociation should improve the level of its management and design of the micro-finance institution. Besides, our country should try hard to Speed up the reform of credit association and perfect the developing environment of the micro-finance for the peasant.The special feature of this dissertation is using Chinese practice to analyze and compare the operational mechanism of the micro-finance for the peasant. Furthermore, this dissertation's main innovation is taking Zhejiang for example and analyzing the problems about the micro-finance for the peasant based on detailed data. In these years, there is little progress on the theoretical discussion about the micro-finance. On the contrary, the practice of the micro-finance develops quickly at present. Surrounding the reality tightly, combining the theory with practice and making innovation to promote the micro-finance developing better is this dissertation's diligent direction.