A Study On Microfinance Mode In China

Microfinance is a new financial field , and is different from tradition financial system. It had been paid widely attention on the theoretical and practical field. The beginning of the microfinance is to help the low-income groups and increase the income by getting loans, and the focus is poverty relief. In the recent years, microfinance has already become one kind of special financial instruments, and not only pays great attention to its social poverty relief effect. In the past 30 years, it expanded its business to save-loan, insurance, fund and so on.Grameen Bank, BRI, BancoSol bank and American community bank gave us a lot of experiences. The developing model of Grameen Bank was the first model we applied. We always explore the mode which adapts to the situation of China. It appeared the microfinance in Postal Savings Bank of China, village bank and community bank, but still has some problems, such as interest rate, risk management and control.This paper reviews the development history of microfinance, points out the problems existing in the current China's microfinance market, analyses the developing model of microfinance in China.The paper is divided into 5 chapters:Chapter 1 gives the concept of microfinance, discusses the development in the word.Chapter 2 gives the theoretical original source of microfinance and the successful mode in the foreign countries.Chapter 3, reviews the historical development of China's microfinance, elaborates on the existing mode in China and the problems.Chapter 4 puts forward the suggestions of further perfecting China's microfinance.Chapter 5 gives the conclusion of this paper.