农村小额贷款公司的风险防范可持续发展外文文(4)

is relatively low; At the same time, small and medium-sized enterprise loan amount is small, be nasty, high frequency, fast turnover, so in order to meet the special needs of small and medium-sized enterprises, compared with the bank, micro credit loans business generally have "small amount, short period and high efficiency" features, increased the probability of risk.

2.4 "credit not only to save" lead to rural microfinance company funds shortage

Different from other rural microfinance company engaged in loan business of financial structure is characterized by "goods not only to save”. In practice, due to the rural microfinance company does not belong to financial institutions, its financing from the bank only in accordance with the general business loans to the bank and cannot enjoy interbrain lending rates and only in accordance with the enterprise loan interest rates, coupled with high demand for bank loans to mortgage, guarantee, the petty loan company to the high cost of bank financing. Rural microfinance companies to bank financing difficulties, the more impossible to accept donated money. This leads to the rural microfinance companies operating capital mainly comes from the shareholders to pay capital, unable to absorb deposits, and the financing difficult, to the world makes rural microfinance company in after issuing the capital, is difficult to keep up with the subsequent lending funds, lead to rural microfinance companies face a serious of the problem of insufficient funds.

3 The risk prevention measures of rural microfinance companies

3.1 Clear market positioning itself

Rural Microfinance Company is set up to solve the problem of rural financial service of the new type of organization, is the beneficial supplement of the rural financial system in our country. Small Loan Company shall, in accordance with the requirements of policy design and market environment, with clear market positioning. Rural microfinance company to clear their own market position, you must correct their own management idea, to help farmers and small and medium-sized enterprises to improve economic conditions as the mission, based on agriculture, the development of rural economy, the strategy of increasing farmers' income, firmly establish a depending on "two farmers" strives for the development of business ideas; To focus