Study On Rural Microfinance

After35years Chinese economic reform, it has a great change of Chinese economic and economic organization in the vast rural areas. With the corresponding, the rural financial also underwent multiple adjustment and reform."Normalize" the urban and rural financial structure still restricts the healthy development of rural economy, the rural credit supply and rural capital demand remains imbalance. Rural microfinance is formation and development in such a society economy background, it can alleviate the imbalance between supply and demand in rural credit market, promoting the sustainable development of rural economy. However, in actual operation of rural microfinance has also exposed some problems to be solved, need through the typical case reveals the root knot of problem, to improve the performance of the rural microfinance.In this paper, PSBC rural microfinance T city branch as the research object, based on the theory of asymmetric information, combined with T city branch of the rural microfinance management success and failure in the process of typical cases, the system is studied the basic principle of rural microfinance operations and many problems that exist in the real operation.Branch of PSBC T successful case analysis in the process of rural microfinance business development, we find that:rural microfinance is advantageous to the rich rural credit products, to ease the credit suppliers and to spread the information asymmetry problem between farmers, to make up for a lack of financial institutions in rural service network. Rural microfinance play a positive role in the process of rural economic development and agricultural modernization.On the other hand, through the PSBC T city branch in developing rural microfinance failure case analysis, we found that:although rural microfinance can relieve Banks and to spread the information asymmetry between the farmers, but it cannot solve the environmental degradation caused by the external credit system risk; Coinsurance syndication, though a coinsurance group members can be partly used between information superiority and checks and balances relationship, reduce the information asymmetry pressure money supply, but it cannot prevent farmers collective moral risk, lead to union without problems.Finally, this article summarizes the PSBC T branch rural microfinance business development experiences and lessons, discusses some problems of bank internal management, attempt to put forward the solution of the PSBC microfinance business sustainable development ideas and countermeasures.