The Research Of Rural Microfinance Development In Hengyang

In the 1970s, micro-finance was run successfully in Bangladesh, which caused the imitation and popularization around the world; In the 1990s, micro-finance was introduced to China, after two decades development, micro-finance alleviated the contradiction between currency supply and demand of China's rural financial market, expanded the capital source channel for rural financial market and optimized rural financial structure. However, as micro-finance has developed for a short time, China's rural micro-finance also faced with some problems need to be solved in the development process, such as the rapid development of rural economy make the demand for capital expanded, caused micro-finance contradiction between capital demand and supply seriously; the high risk and low profit of agriculture make the rural capital outflow seriously; micro-finance institutions also existed some problems like low management level, weak risk-prevention capacity and lagging loan services. If these problems can not be settled effectively, which not only affects the sustainable development for micro-finance institutions in rural areas, but also influences the whole rural finance market's stability and the process of building a harmonious socialist society for China. This thesis regards the rural micro-finance development in Hengyang county as study subject, through investigating on the spot the current situation of the rural economy and society development in Hengyang county, rural micro-finance development's situation, analyzing existed problems during the rural micro-finance development, combining foreign experiences about micro-finance development, then putting forward the thought, principle and concrete measures for the rural micro-finance development in Hengyang county.Firstly, the researching purposes, methods and contents of this thesis was determined by collecting, sorting and learning the related documents on rural micro-finance from scholars at home and abroad; secondly, defined the concepts, characteristics and risk of rural micro-finance, seriously studied the basic theory including financial deepening theory, rural finance theory, social capital theory and so on; thirdly, this thesis is based on the investigation on the spot of rural micro-finance in Hengyang county, it analyzes the current situation of the rural economy and society development in Hengyang county, rural micro-finance development's situation and existed problems, then analyzed the factors what influenced the rural micro-finance in Hengyang county; fourthly, through learning the development experience including Bengal Grameen model, Indonesia credit model, India self-help organization model, Bolivia BancoSol model and India self-help model, obtaining the enlightenments that the choice of rural micro-finance should be appropriate to national economic development, scientific management strategy should be made, there should be effective participation and diversity goals; finally, this thesis combined the current situation of the rural economy and society development in Hengyang county, rural micro-finance existed problems and influencing factors, determined the general idea, basic principles of rural micro-finance development in Hengyang county, and putting forward the concrete development measures to promote the healthy development of rural micro-finance in Hengyang county.