Analysis On The Business Mode And Operation Risk Of XX Micro-credit Company

At the beginning of Nineteen seventies, foreign microfinance began to appear, and in the subsequent twenty years it had made great progress, In this period, which road to choose between " welfare " and " institutional " has been to be a large number of scholars dispute issue.Microfinance of China originated "pro-poor economic cooperatives ", experienced historical stages of development. Along with its apparent role of development in China economic society gradually, The credit model targeted in " blue ocean market", as which can effectively solve some China’s rural financial problems, also can improve the rural and low-income people, to some extent instead of borrowing, let more national share the benefits of economic growth, eliminating the factors of instability in the political and economy, so it attaches great importance and recognition by the Chinese government. Today, more forms existence, is the commercial operation among the " micro-credit company ". These " micro-credit company ",private capital accounted for its main body, in the course of its development, has to face controllable internal risk, also need to face including legal, policy stratification plane uncontrollable external risks, how to make these " micro-credit company " overcome all sorts of risks, have a healthy development and continue to operate, well served in the Chinese economy, For micro-credit company, What kind of social status to face? what kind of policy guidance to have? and what kind of road to choose? All these are the great concern in economic sector and all the micro-credit companyThis paper studies from the development of microfinance, and have a systematically research for the process, summed up that the Chinese government carried out the micro-credit company is the institutional forms, introduces in details the micro-credit company development in Liaoning province, indirectly introduced XX micro-credit company survival policy environment according to ⅩⅩ, the micro-credit company’s business model (from customers, interest rates, by way of security etc) and risks (internal mechanism and external policy, environment etc.) The analysis, summarized that ⅩⅩ micro-credit company is a well developed small loan company, its operation has its own knack in just as we wishes, also do not have the place, the company in order to survive and develop in business, giving full play to its convenience, flexibility, be active in regional small and medium-sized enterprise services at the same time, also obtained the huge economic returns. However, ⅩⅩ micro-credit company’s operation faces the test of all sorts of risks, which come from internal of the enterprise, the social economy environment, also the mainly from legal and policy level, these risks become the industry development bottleneck which to be faced by ⅩⅩ micro-credit companies and all micro-credit companies, By virtue of their own strength, they still can not solve, this paper coming from this fact, aimed for government to improve the micro-credit company risk status of legal, policy construction and offered a proposal, be able to establish, perfect and introduction of relevant laws, regulations, micro-credit company for determination of social identity and status, providing the micro-credit company a healthy, sustainable development platform; in the operation of business, do not let go, the appropriate excessive regulation, to the micro-credit company, having a fair competition platform of development; micro-credit companies have the right to enjoy their social responsibility, business relative to said the policy in tax, giving the micro-credit company care, support services platform to "Blue Ocean crowd ". And really from the perfect financial system, rural financial reform and the degree of serving "3farming ", be able to correctly guide the private capital policy, in order to realize Chinese microfinance industry health, equity, sustainable development.