| Rural microfinance in developing countries has been rapid developed. It is a financial service to help the poor in developing countries. As an important supplement to rural finance, China's rural microfinance are gradually developed and refined.China's rural microfinance of operation is mainly Bangladesh Grameen Bank model to imitate, but mainly by the Government to promote, then on base of it China has its own rural microfinance model. Sources of funding are mainly government funding, domestic, international organizations funds, credit unions funds. Sources of funds are less. Rural microfinance is small-scale, high cost, unsecured, etc., and premature development of rural microfinance serve the poor, project risk is high. China is still not mature in the rural microfinance model, but the government large-scale promotes rural microfinance. Provinces and regions are also active up into rural microfinance, rural microfinance operation, if not, the state will pay a high economic cost. At the context of promotion of agriculture development, In order to better enable the development of rural microfinance, the paper introduces the rural microfinance and rural microfinance in rural areas of the development of the current situation and problems. At the same time, referring to the development of rural microfinance from abroad and domestic rural microfinance in the process of successful practice experience, according to the current status of the rural financial needs, the paper states the rural microfinance model.The article is divided into three parts of the main topics: First, the concept of rural microfinance and basic theory, the characteristics are described, then introduce China's rural financial reform and rural microfinance, and describes the problem of China's rural microfinance. The second part describes the characteristics of the foreign operation of rural microfinance model and successful experience, exploring its development of China's rural microfinance reference. The third part to adapt to the needs of China's rural financial system for the development of rural microfinance position, mode of construction and operation processes. |
