Market Characteristics Microfinance Industry Analysis And Development Strategie

The financial field always existed dual structure, that is the loan funds invariably been to the more affluent crowd, and medium-sized enterprises. As the majority of the population, the poor, farmers and the small companies has always been excluded. The reason is diverse, such as profit-driven of capital, loans to farmers, the poor and small businesses have high risk, high cost and low revenue. And they often do not have high-value items can be mortgage, and no reliable creditability system.While originated from Bangladesh, single-handedly created by Professor Yunus the Grameen Bank, poverty relief using micro-credit loans gave us a new inspiration. Microfinance, using completely different from the ordinary form of loans given to the financial markets that had previously been excluded groups of loans outside, and using a special institutional arrangements and risk management techniques to ensure a high repayment rate. Microfinance Usually provided by virtue of credit, supply small amount, higher rates of loans to low-income people. In the past Poverty relief entirely on low-interest loans provided by the Government, but often Practice has proved unsuccessful. And encourage the use of microfinance poor farmers shake off poverty on their own strength, and fully mobilize their enthusiasm. With the development of microfinance, microcredit significance not only to support the poor, and began to serve more low-income people and small businesses, has become an important part of building GSP financial system. Achieve social justice as an important financial innovation, microfinance in China has also been attach importance to developing, China has just started However there is still a lot of problems need to be improved Research on.Firstly, to sort the theoretical Research on domestic and foreign then introduces the development of the situation abroad, then turned to domestic developments and emerging issues. By analysis the characteristics of microfinance market, made a targeted countermeasures. I am sincerely hope to promote the healthy development of microfinance in China, to achieve the financial fairness, social harmony adding positive energy.