Dissertation > Excellent graduate degree dissertation topics show

The Research on Sustainable Development of Chinese Rural Microfinance

Author: SongXiuLing
Tutor: WeiXiaoQin
School: Ocean University of China
Course: Finance
Keywords: Rural Microfinance Sustainable Development Constraints Dominant mode
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 776
Quote: 2
Read: Download Dissertation

Abstract

Rural financing problems of modern industrialization and urbanization in the social focus. Can sustainable development of rural micro-credit, related to rural issues can be resolved smoothly, related to social stability and economic development. In an era of financial intermediation and underdeveloped countries, development opportunities generally belong to a certain accumulation of capital, those who lack capital accumulation, were excluded from the economic development path outside, you can not share the benefits of economic development. Lack of investment capital, farmers are often long-term poverty trap. Microcredit is a financial innovation Ke Deer suitable tool that can help those who have the desire of potential farmers get the chance to escape poverty. Microfinance is conducive to the sustainable development of microfinance institutions own survival, but also helps to improve the rural financial market, and promote economic development in poverty-stricken areas and help the poor out of poverty. In recent years, the international community welfare and institutional microfinance have chosen for their sustainable development objectives, the policy formulation and management of innovation all around expand microfinance sustainable development goals. Microfinance road of sustainable development both MFIs own development needs, but also the history of the development of microfinance selection. Chinese microfinance development practitioners experienced the introduction and promotion, and several pilot phase, especially from 2005 to 2006, rural credit cooperatives, microfinance projects in the government and the central bank's promotion in full swing, \commercial microfinance establishment of the company, so that microfinance development is not only faced with new opportunities, but also faces some challenges. On the one hand, accelerate the process of national reform market, facing the development of market-oriented microfinance pressure; the other hand, the rural financial system reform for rural microfinance sustainable development has brought new opportunities. However, the current development of microfinance in its infancy, facing the problem of how to achieve sustainable development. In this paper, the actual development of rural micro-credit, using a combination of quantitative and qualitative analysis method, two angles from the supply and demand of China's rural microfinance institutions, obtained Sustainability Analysis: Most of the existing small rural MFIs did not achieve the goal of sustainable development. From the internal factors and external macroeconomic factors microscopic aspects of rural micro-credit analysis of the current constraints of sustainable development factors. In China's rural microfinance development background and practical needs as the starting point, this paper drawing on international microfinance development lessons to Marxist economics theory and agricultural development loan capital theory as the basis for the concept of inclusive financial system for the support, Research under the new situation of international financial crisis, how to find a new economic growth point to stimulate economic development vision that is transferred from the city to the countryside, on the sustainability of China's rural Microfinance Analysis and Restriction analysis, analysis of a variety of micro-credit in rural areas mode pros and cons of further proposed sustainable development of rural microfinance dominant mode is \Three mainly refers to the government, formal financial institutions and commercial MFIs three division of labor, duties, together to complete microcredit loans granted and recycling credit activities. One mainly refers to the rural farmer communities core microfinance demand, primarily responsible for coordinating and providing various loan projects selected ancillary services. Four Modernizations mainly refers to the market lending rates, flexible loan amount, loan purpose and reasonably diversified loan period, so that it can better meet the credit needs of farmers, rural microfinance further realization of financial and organizational available continue. This final optimization Rural Microfinance Development from the external environment and improve the rural microfinance both internal mechanism proposed rural microfinance sustainable development countermeasures.

Related Dissertations

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net Mobile