Research On Microfinance Institutions Rating

Since the pliot of the commercial micro-credit company in2005, the new-type microfinance institutions, represented by the village bank, the micro-credit company, and the rural saving and. credit cooperative, develops fast, which play an important part in the boom of the rural finance market. While at the same time, kinds of problem comes in to being. In order to guide the sound development, our country tries to seek the external support, and rating is one of these.Now internationally there are a dozen of special microfinance rating institutions, and some of the mainstream credit rationg institutions also begin to ttrace for he field. Now two-thirds of the market is takend by three institutions, MicroRate in Washington, Planet Rating in Pairs, and M-CRIL in Nes Delhi, which has creates their own rating system. But in our country, the mainstream credit rating is at the early-stage, and the special microfianance institutions rating has not appears.Against this background, this paper starts with the significance of the special rating, mainly from the views of the microfinace industry, the institution itself, the investor and the regulator, and puts forward the realistic meaning to the micro-credit company’s transformation to the rural bank. Then, on the basis of the international experience, combined by its own character and the current situation of the microfinance institution, this paper seeks to set up the rating system, suitable for our country’s microfinance institutions. And at last, combining the problemes existed in the mainstream rating, this paper brings the some problems maybe existed in construction and gives some solutions.