Microfinance is to meet the low-income financial loan demand a method. Through the provide short-term microfinance, savings, and other financial services, make individual operators or low-income people get startup capital, and increase your income. It is because of small loans can use financial means to help the poor groups out of poverty, since the 1970 s since made in Bangladesh, Latin America is the developing countries of the rapid promotion.
Microfinance company is by the natural person, legal person enterprise and other social organizations investment to set up, don’t absorb public deposits, small business loan business limited liability company or joint stock limited company. Microfinance companies issue loans should adhere to the “small and scattered” principle, to encourage “agriculture, countryside and farmers” and small and medium-sized enterprises to provide credit service. Microfinance loan amount in small, the procedure is convenient, practical strong, the pilot since, have infiltrated the Chinese economy every aspect of life. In this paper the international microfinance institutions based on the study of the development, this paper analyzes the various regions of China small loan company current situation of management and basic characteristics. Through the small loan company and traditional Banks and non-bank financial institutions relevant business contrast, show small loan company’s market advantages and investment value. And on this basis from the macro economic and policy support, market demand, the development of the industry different perspectives, such as the small loans to the development prospect of the company make objective forecast.
This paper is mainly in the relevant government small loans company system and policy guidance, through the domestic and international microfinance company of the present development of analysis, foreign microfinance company’s successful development experience, in the country on the basis of the existing model, further improve the small loans the sustainable development of the company ideas to improve existing domestic microfinance development mode of positioning problem existing in the management and regulatory issues, risk control weak, the follow-up funds added difficulty, theoretically actively explore small loans to optimize the path for the development of the company. In hopes of microfinance company system design, developing situation of comb, and fight on microfinance company for the future development of the related decision provides the theory and the practice basis.
Keywords： microfinance company, Sustainable development, Entrust loan, Private equity funds