Research On The Commercialization Of Farm Household Microfinance In Our Country

Microfinance can be defined as a kind of special financial service. Since the microfinance appeared in the 70s of 20th century, history of developing country's economic development has proved that microfinance is an effective way to relieve poverty and promote employment. Therefore it has caused the extensive concern of the whole world, and being popularized gradually. There are only 13 years in history of China's microfinance, but fast growing. Especially from 2002 to 2006, under the pushing of the People's Bank and government, the rural microfinance projects are implemented by the Rural Credit Cooperations (RCCs) in an all-round way, and commercial microfinance companies, which credit only, established, the microfinance in China has entered the era of commercialized running. Therefore, the purpose of this thesis is to analysis the reason and motivation of commercialization in China, studied the operating mechanism and its efficiency, found out the problems existing among them. At last, give some relevant policy recommendations to promote its smoothly running. So, this paper have realistic meanings.This paper introduced the macro and micro theory at first, and carried on foreshadowing for the commercialization of microfinance in our country; then analyzed the production of microfinance in China from the vigorous demand of peasants, insufficient supply, advantages of commercialized organizations; found out the immediate causes of commercialization from respects such as the government's push, the of great amount of profit, the advantages of commercialized organizations etc; as the hard core, this paper regard RCCs as the mainly research object, discuss the problems and barriers of the operation of RCCs'microfinance. Then, compared with the experience of successful country in the world and looked for disparity, analyze the reason. At last, aim at the existing problem and intend to promote its development, proposed optimization design of mechanism and get own suggestion out of to the function that the government should give play to.The conclusion is that the appearance of commercialization of microfinance in china is a kind of necessity; commercialized microfinance can realize sustainable development and then make profits; both commercialized and other microfinance are effective anti-poverty ways; the commercialization is a gradually course and the government should create appropriate financial environments while small credit is commercialized.