Research On The Issues Of Rural Microfinance In China

Rural microfinance is a special credit that has played an important role in rural poverty alletiviation and the development of rural economy.The rural microfinance in China is promoted mostly by the government,and it has carried out nearly 30years.As most rural microfinance has the characteristics of small scale,high cost and unsecured,projects of rural microfinance is always in high risk and weak profitability,which causes weak sustainability of most rural microfinance institutions.At the same time,proper development model of rural microfinance in China for large-scale promotion is difficult to formed.To take advantage of the priority of rural microfinance in China for rural poverty alleviation and rural economy,establishing and improving the service system of rural microfinance by integrating various aspect of resources, creating an enabling environment for the development of rural microfinance and using a market-oriented approach.It's a issue that Waiting for us to solution.This paper based on the theory of micro-credit in rural areas,starts from profiting from the successful experience of the development of microfinance experience abroad,analyzing the development status and the problems in China,Include:the position of government was not clear,the rural financial services is imperfect,business operation and management is unregulate,and the lack of sustainability of development etcetera.On this basis,proposed that the defined government locates,the establishment of a multi-level rural financial services,standardize management of business operations,and promote sustainable development of rural microfinancet.