Studies On The Cooperation Issues Between Banks And Microcredit Companies Of Xinjiang

Micro finance was created in60-70s of the20th century, it mainly supplied creditservices for low-income groups and small and medium enterprises to help get rid of financialdistress as their basic principle, which kept pace with the idea of GSP financial.Rural areaslack of banking financial institutions to provide financial services for farmers, and individualbusiness, backward led to the development in these areas, farmers income level is low.In theprocess of financial deepening, small loans company riches the financial system at the historicmoment.Our country started small loan company pilot work in2005, then promote in ournationwide.It not only remits the pressure of small micro enterprise financial crisis, guide thefolk financing bank, but also provides diversified services for the development of financialmarket.Due to the support of Xinjiang government in2009, the small loan company pilot workwas developed in Xinjiang.After them have sprung up in the range of xinjiang.The emergenceof small loan companies not only brought fresh"blood" for xinjiang small micro enterprise tomeet the needs of farmers and individual businesses, especially its contributions to socialeconomic development of Xinjiang. However because xinjiang small loan company lack ofcapital, it can’t develop quickly.In this article, through seeking the cooperation betweenmicro-finance companies and banks to ease the small loan company funds stress.Finally toachieve sustainable development of small loan company.Small loan companies and banks cooperation ideas originated in the1990s, Banks andsmall loans for formal finance and informal finance are the company’s cooperation to expandand deepen cooperation research, which has certain theoretical value;Meanwhile cooperationis the effective ways to improve information symmetry, active micro, small and mediumenterprises financial markets also have practical significance.This article on the basis of previous studies, combined with the regional economicdevelopment of the special circumstances, keep xinjiang small loan company cooperate withbanks as the research object.First of all, through the relevant theoretical reference and analysisof current situation of the development of small loan companies in xinjiang, and using theresearch methods of comparison and induction summary, put forward the theories support for small loan companies to cooperate with banks;Second, for cooperation, analyzing thefeasibility and necessity of analysis from the aspects of subjective and objective summary ofcooperation intention and possibility;Finally, in view of the factors hindering cooperation ofboth sides, from the aspect of the xinjiang government incentives, small loan companies ownconstruction, the construction of the industry association, the bank internal adjustmentcountermeasure and the suggestion are put forward four dimensions, hope to sustainablehealthy development of small loan companies of xinjiang to provide some decision reference.