Research On Suitable Development Model For Microfinance In China From Sustainable Perspective

How to provide financial services to low-income people is the national problems inthe process of poverty alleviation, it also has been the challenge for the governments.From the international experience, low volumes on international credit pattern choicehave certain inspiration function to our country. With the economic development of ourcountry and needs, the microfinance model have certain innovation practice,but, ourcountry microfinance mode selection has no potential of sustainable development due tomany factors, Microfinance did not play the corresponding role. Now, the microfinanceis in the pilot phase, the current law could not apply to the development of microfinance.So, to solve the relationship between the supply and demand to seek a new mode ofsustainable development of microfinance matters much to the microfinance and thenational economy.In this paper, uses the connotation of sustainable development as the starting point,on the concept of sustainable development, on the basis of in-depth study, clear theoverall mission and the basic requirements of sustainable development, so as to providereference for sustainable development model in economics. In the process of Modelanalysis, we have a deeper understanding of small credit model and development. Onthe basis of the argument, we put forward “trust+credit+insurance” model, the modelcan reduce the risk of credit institutions and improve loan object anti-risk ability,stimulate the market vitality, strengthen the development of the power, broaden theinsurance market.“trust+credit+insurance” model can help small businesses and theinsurance company to realize data information symmetrical, small enterprises with thehelp of the model can reduce the pressure on its loans difficult, while the insurancecompany has a new platform to provide services, thereby expanding the area of itsbusiness. Because of the small business credit business has small geographic range,popularity circle fixed, both transparency and other special conditions, and then got toavoid the "adverse selection" problem. The topic of this paper was closely related to the hot issues of the current, withmicrofinance, a new system as the research object, theory with practice, combining withsituation both at home and abroad, discusses the problems of sustainable developmentof microfinance institutions. The innovation of this article is the analysis of themicrofinance development course in our country, on the basis of combining theinternational microfinance success, for the microfinance sustainable development of ourcountry put forward the feasible Suggestions, indicate the direction for the sustainabledevelopment of microfinance in China.