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Microfinance should regulate the development of private financial

,ghd piastre, Resulting in the amount of the rural fire funds through commercial banks and postal savings flow of small rural areas. RCC limited financial resources. Distribution of assets do not have enough strength microfinance farm J 1,moncler milano,2 asymmetric information. Credit rating difficult. Relative to loans to enterprises, rural credit cooperatives and lending between households is more serious information asymmetry. Loans to households of rural credit cooperatives can not fully understand the potential benefits of loan projects and risks. Loans to farmers for each credit. Can not believe its an accurate, H rating. The resulting recovery of Microfinance greater risk of high transaction costs 13,true religion, the cost to go south in the amount of small loans, loans and more households, farmers believe Park issued in accordance with normal procedures for Microfinance in the small volume when needed certificate cost and management personnel, and micro-credit interest income each fork less, resulting in high transaction costs of rural credit cooperatives, costs large number of benefits not worth the 1.4 or even lower interest rates,Ed Hardy outlet, income is not high. Interest rate control by the central bank,ugg schuhe, rural credit cooperatives can not be independently determined under the cost of micro-credit lending and deposit interest rates. Reach self-financing microfinance, rural credit cooperatives lack of sufficient incentive to farmers to carry out micro-credit. 2 private financial offer the advantages of Microfinance 2.1 smaller, flexible operation, low transaction costs. And compared to formal financial institutions. 52_ squeeze and pour pots technology 2oo6, 05 private financial institutions operating flexibility, you can choose the appropriate payment of the loan Sh�� as the appropriate amount of loans. Not subject to policy restrictions. Pre-loan information search costs and post-loan management costs are very low, less various expenses, you can save a lot of transaction costs. 2.2 understand the relatively large loans to farmers information. Recovery risk is small because private financial organizations, microcredit schemes are mostly farmers around the object. Information for farmers to know relatively full. The proceeds of the loan project, risk assessment is relatively easy. Released by the farmers which is basically non-existent recovery of micro-credit risks. 2.3 from the central bank interest rate restrictions. Higher yields. Private financial institutions to non-formal financial institutions. Interest rates from the central bank benchmark interest rate restrictions, can be appropriately higher than the statutory interest rate 3 to 4 times. So that farmers meet the demand for loans also can hit, crowding out in the rural areas, 2.4 fast transactions, financing and high efficiency. . Procedures in the issuance of loans. Private financial institutions did not deal cumbersome procedures. Examination and evaluation of loan projects such as simple and quick. To the provision of fast deal. Enabling borrowers to quickly and easily raise the funds required. This is far less formal financial institutions in the. 3 policy recommendations to develop and improve financial regulation 3.1. The legalization of private finance, standardization. China has not yet asked a complete public financial institutions on the legal, the priority task is to develop and improve the the activities of a legitimate platform to enable organizations to obtain contact with the regular payments equal status to carry out financial business operations. To regulate, discipline and protection of the normal 3.2 Private Credit to strengthen management and supervision. Establishment of private financial institutions, market entry and exit system. In the legalization of private financial institutions at the same time. We must also strengthen its management and oversight to prevent potential financial risks. Those on the small scale, the business should be widely implemented strict supervision. For those located in remote, small scale business can not grade appropriate deregulation. Through the appropriate civil laws to restrain. In addition also asked financial institutions to establish China market entry and exit system. People asked to rectify the financial markets, properly relaxed restrictions on interest rates of 33, give the financial support of the Government of support. rh on small credit loans for farmers to farmers purely personal credit as collateral security. Qian Wang's recovery has risks. Ji in order to encourage private financial institutions to do microfinance. Can be properly relaxed its lending rate limits by 34 times than the statutory rate in the high mountain sources of loan funds. Gold in the private finance its own is insufficient superfluous. Can take the Government's financial guarantees or other means to formal bank loans to help them raise funds. 3.4 improve the risk-sharing mechanisms for the development of private finance Microfinance create a favorable external environment. Micro-credit loans to farmers south is mainly used for agriculture. The agricultural production due to its own characteristics, by natural resources, climate and market constraints such as due to the multiple claims, with considerable uncertainty, which increased the recovery of micro-credit risk. In order to avoid the risk of dispersion and can be implemented in the rural agricultural accident insurance system, raising the loan of the parties:} Kang risks, but also the people asked Microfinance financial development to create a good environment for foreign Lang.