Research Of Sustainable Development Of Microcredit Company In Gansu Province

The emergence and development of the small loan companies, a result of China’s economic and social development the socialist financial organizational innovation and an important breakthrough in the system. A financial mode of operation, small loan companies as "rural" and small and micro enterprises to provide financing services to complement and enhance multi-level "three rural and small micro-enterprise financial service system, effectively alleviate the" three rural " The problem of financing small and micro enterprises, and further improve financial services in rural areas, to activate the private investment, regulate the behavior of private lending, the development of county economy, etc., have a very active role. Especially in Gansu such a low level of economic development of provinces, meaning more significant. In a critical period of building a moderately prosperous society and the construction of a new socialist countryside, we must further promote the cause of China’s micro-credit development, unswervingly take the road of sustainable development of small loan companies.Contact the actual requirements of this article in accordance with the theory, the use of the combination of theory and practice of data analysis method, based on field research and data acquisition and analysis of Gansu province’s small loan companies set up before the end of2011, the focus of Gansu development status of provincial small loan companies, in-depth analysis of the interpretation of the main problems in the development of small loan companies and their sustainable development constraints, and from the national and provincial policy, system of internal and external environment for the development of three aspects, promote small loan companies to achieve a healthy and sustainable development of policy recommendations. Also describes the practical experience of the development of the province of small loan companies and international microfinance institutions and the theory of sustainable development, an effective solution to the outstanding problems that exist in the current development of small loan companies, guided out of the woods further promote the sustained and healthy development of the cause of China’s micro-credit is an important reference significance.The paper, from the policy institutional explicit nature of small loan companies, to increase day-to-day supervision, establish and improve the supervision mechanism; want to create smooth, efficient, low-cost financing channels for small loan companies to give appropriate preferential development policies to encourage the development of village banks or community banks; should establish and improve good internal governance structure and effective risk management mechanism, to create favorable conditions for the healthy development of small loan companies, small loan companies to effectively enhance service "three rural" the ability of small and micro enterprises.