Research On The Sustainability Of Gaoqiao Petty Loan Company Under CGAP Index System

Abstract:China began to carry out the pilot work of small loan companies from2005. After several years of rapid development, There are6080petty loan company in China by2012. But the identity, supervision policy, business requirements and other aspects of petty loan company are still not perfect. As one of the organization form of microfinance institutions in China, the sustainable development of it has become the focus. Research on the sustainable development of small loan companies is to explore the development strategy and sustainable management for development.This paper analyzed the current situation of microfinance institutions on the theoretical analysis. Selected Gaoqiao small loan company as a concrete research object to learn about its business circumstance and to investigate its external business environment. Selected the index system that used by CGAP when it research the sustainable development of microfinance institutions. Carried on the research from three aspects of finance, interest rates and coverage. Compared the results to the findings of microfinance information exchange (MIX) to find out the existing problems and reasons. At last put forward corresponding suggestions, find out the suitable road of development so as to realize the sustainable development.