农村小额贷款公司的风险防范可持续发展外文文

文献出处：Dworkin S L. Rural microfinance companies risk prevention [J]. AIDS and Behavior, 2015, 12(3): 62-71.

原文

Rural microfinance companies risk prevention

Dworkin S L.

Abstract

The emergence of rural microfinance company is the result of the development of rural financial innovation, on the one hand, not enough because of the reform of the rural financial reform, small scope and the effect is not obvious, lead to the rural financial supply is difficult to meet the financial needs of rural areas is exuberant, makes the difficulty of increasing farmers' income, narrowing the widening gap between urban and rural areas; Small and medium-sized enterprises, on the other hand, due to small size, high operating risk and uncertain problems, such as product market demand, under the impact of the financial crisis, the development of small and medium-sized enterprises more difficult, shortage of funds, the decline in export trade, labor costs rise, material costs are the four major challenges facing the small and medium-sized enterprises, the financing difficult problem is one of the biggest problems. Rural microfinance companies, is advantageous to the release of the rural financial demand, activate the rural financial market, to break the bank financial institutions in the rural credit market monopoly, thus sets out for a different size, different financial demand groups provide differentiated products and services of good situation.

Key words: Microfinance; Risk prevention; The sustainable development

1 Introduction

Small loans originated in the 1970 s famous economist Muhammad Bangladesh. Professor test, then the people's bank of Indonesia (BRI) "sunshine" bank of rural credit, Bolivia, Thailand's agricultural and rural cooperative bank, the international community assistance fund (FINCA), credit unions and many non-governmental organizations (Ngoc), etc.Microfinance is essentially -?Order to low-income and disadvantaged groups to provide sustainable financing way of innovative financial