借鉴国际经验促进我国小额信贷的商业化发展Using internatina experience fr reference t prmte cmmercia evepment f micrfinance in China.doc

借鉴国际经验促进我国小额信贷的商业化发展（Using international experience for reference to promote commercial development of microfinance in China） Abstract: in 2005, the peoples Bank of China initiated the pilot project of commercial microfinance. The investment of micro credit has broken the capital constraint in the rural economic development, which is beneficial to the farmers to obtain loans timely, conveniently and effectively, and alleviate the difficulty of farmers loans. However, the lack of stability and the unclear allocation of property rights restrict the sustainable development of microfinance institutions. Key words: rural microfinance; sustainable development; commercial property CLC number: F832 / 33 document identification code: A article number: 1006-1770 (2010) 010-044-04 With the transformation of rural production and management mode and the adjustment of rural industrial structure, rural financial demand has become increasingly diversified. On the one hand, the existing rural financial institutions in China can not meet the needs of farmers and small rural enterprises to a large extent. The existing rural financial institutions include agricultural bank, agricultural development bank, rural credit cooperatives, rural commercial banks, rural cooperative banks and postal savings bank. On the surface, these rural financial institutions have reasonable functions and complete categories, but in fact, they provide little financial support for rural development. The rural enterprise is based on the development of local resources, market supply and demand is uncertain, because the rural financial institution to its lending risk, the shortage of funds in rural enterprise growth has not been able to solve. The poor and micro enterprises due to the lack of collateral and rejected the formal financial institutions, so that they lack the initial funding or technical transformation funds lost a lot of profitable business opportunities, poverty or low trap inextricably bogged down