农村小额贷款公司的风险防范可持续发展外文文(6)

between the owner and operator. To perfect internal governance structure of rural microfinance companies, can from the following several aspects: optimization of shareholder structure. One is to improve access for shareholders. Rural microfinance companies claim to the shareholders should not be limited to the financial strength of shareholders (for example, if it has investment ability, capital supplement ability and management ability, etc.), should also ask shareholders itself has a good social credit and social evaluation, moral level and word of mouth. Reasonable design of corporate governance structure. From regulators on rural microfinance company's equity structure design, dispersed ownership structure is beneficial to avoid the "a dominant" the negative effect on the corporate governance, but the decentralized equity design may be inefficient decision-making, shareholders cannot effectively supervise the company's operations, caused a lazy and interests to managers seize opportunities, etc. Under decentralized equity structure, therefore, should be according to the actual situation of microfinance company locates the region and corporate ownership structure, reasonable design of the shareholders meeting, board of directors, management structure, forming an effective corporate governance principal-agent relationship, for the long-term and healthy development of the rural microfinance company is particularly important.

3.4 Improve rural micro credit system design of the company

Allow small loans company foreign deposits and appropriately raise the ratio of bank financing. On the one hand, due to the incomplete rural financial system, rural financial development lags behind, rural areas have a large capital requirements; On the other hand, the existing policy, rural microfinance company capital source mainly shareholders' money, donated money and financing, to no more than two Banks shall not exceed 50% of the net capital and financing, this leads to small loans company financing channels of a single, can't meet the demand of rural area larger funds. In order to effectively solve the above problems, rural microfinance company to the public should be allowed to take deposits, namely savings business, successful foreign loan department of the people's bank of Indonesia and Bolivia sunshine bank savings business, financial management, not only help low-income also billion wins the rural