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The Development of Microcredit in China under the Microfinance  [PDF]
Zining Zhen
American Journal of Industrial and Business Management (AJIBM) , 2019, DOI: 10.4236/ajibm.2019.96098
Since 2008 a series of financial policies have been introduced, microfinance development has entered a new stage. As a branch of microfinance, microcredit also ushered in a significant opportunity for rapid development. Commercial Banks, microcredit companies and other financial institutions have launched microcredit products for small and micro businesses and individuals. After a period of practice, there are a lot of problems remain to be solved. By analyzing the development stage of microcredit in China, this paper explores the existing problems in the development of microcredit in China and puts forward relevant suggestions on the premise of distinguishing the concepts of microfinance and microcredit.
The Development Perspective of Finance and Microfinance Sector in China: How far is Microfinance regulations?
M. Wakilur Rahman,Jianchao LUO
International Journal of Economics and Finance , 2011, DOI: 10.5539/ijef.v3n1p160
Abstract: The paper reviews the development process of bank and microfinance sector in China and present regulatory status. Financial sector is largely bank-based and dominated by the four state commercial banks in China. However, government liberal policy and special attention to financing underdeveloped regions and SMEs have gradually improved the scenario. The development of non-state banks, non-bank financial institutions and MFIs has extended financial services to the areas where state banks were previously not so active. Consequently, government banks, microcredit companies along with some national and international MFIs and donor agencies have started their business in a significant pace but the market freedom is still questionable? The benefit of microfinance services lies on government favorable policy formulation and allowing MFIs reasonable freedom to booming the sector. Thus, it is suggested that government authorities should take necessary steps for resolving the existing barriers of the promising microfinance sector in China.
Anti-Corruption in Microfinance and China’s Reaction  [PDF]
Rongrong Zhou
Open Journal of Social Sciences (JSS) , 2016, DOI: 10.4236/jss.2016.410010
Abstract: Microfinance offers poor people access to basic financial services such as loans, savings, money transfer services and micro insurance. Corruption happens in microfinance area and the FCPA applies to it. In China, micro finance and social enterprises have developed for year; however, the government corruption poses a chilling climate for the flourish of microfinance and the innovation of private capital. Chinese government took measures to fight corruption and via the government’s action. Corruption problems became more tangible and more controllable.
Microfinance  [PDF]
Ranjana M.Chavan
Golden Research Thoughts , 2013, DOI: 10.9780/22315063
Abstract: Microfinance sector has grown rapidly over the past few decades. Nobel Laureate Muhammad Yunus is credited with laying the foundation of the modern MFIs with establishment of Grameen Bank, Bangladesh in 1976. Today it has evolved into a vibrant industry exhibiting a variety of business models. The microfinance sector is having a healthy growth rate, there have been a number of concerns related to the sector, like grey areas in regulation, transparent pricing, low financial literacy etc. In addition to these concerns there are a few emerging concerns like cluster formation, insufficient funds, multiple lending and over-indebtedness which are arising because of the increasing competition among the MFIs.
Microfinance Risk Management with Work Breakdown Structure  [PDF]
Junxiang Liu
Journal of Financial Risk Management (JFRM) , 2012, DOI: 10.4236/jfrm.2012.13007
Abstract: Building inclusive financial system in China makes microfinance products become practical tools in solving financial difficulties of small and medium enterprises (SMEs). Discuss general management risk of microfinance under effective credit structure and then analyze the Work Breakdown Structure (WBS) in microfinance management from the perspective of project management effectiveness. Moreover, use ergonomics and probability theories to find out the effects on microfinance management through institutions with simpleness and swift. It is demonstrated that optimization of microfinance management program under inclusive financial sectors can probably be beneficial to microfinance credit risk control
Microfinance and Inequality  [cached]
Hisako Kai,Shigeyuki Hamori
Research in Applied Economics , 2009, DOI: 10.5296/rae.v1i1.304
Abstract: The paper examines the relationship between microfinance and inequality by providing a cross-country empirical study of 61 developing countries. We show that microfinance plays an important role in creating a financial system endowed with the equalizing effect. Thus far, only a few single-country analyses of the impact of microfinance on inequality have been performed. To the best of our knowledge, our study is the first to indicate the universality of the equalizing effect of microfinance by applying the cross-country methodology. We find that microfinance can lower inequality and that poorer countries need to focus more on the equalizing effects of microfinance.
Regulation and supervision of microfinance in Albania  [cached]
Rezart Hoxhaj
Business and Economic Horizons , 2010,
Abstract: This paper describes important regulation issues that concern microfinance. It starts byconsidering literature on how and why to regulate and supervise microfinance. Considering thespecific case of microfinance in Albania, it analyzes the context of this industry and someparticular issues that might influence its growth. Related regulation in Albania seems to be notactivity-oriented since a real definition of microfinance is lacking in the Albanian law. Therefor,Albanian microfinance sector needs, first of all, a microcredit and microfinance definition toimplement the right development policies and avoid confusion and license misuse. Moreover, theregulatory framework seems to be too restrictive for institutions supposed to be engaged inmicrofinance example high capital requirement and provisioning. Possible interventions can be inlowering minimum capital requirements for NBFIs to improve entrance, simplifying procedures,documentation and harmonization of the taxation treatment of institutions to enhancedevelopment, encourage access and avoid market distortions. There is the need to implementregulation considering microfinance as an activity, and develop a regulatory framework to inducecommercial banks integrate downward into the microfinance market and help informal start-upsinstitutions develop and get formalized.
Impact Analysis of Microfinance in Nigeria  [cached]
Babajide Abiola
International Journal of Economics and Finance , 2011, DOI: 10.5539/ijef.v3n4p217
Abstract: This paper applies the financing constraints approach to study whether microfinance institutions improved access to credit for microenterprises in Nigeria or not. According to this approach, microenterprises with improved access to credit rely less on internal funds for their investments. Thus, investment sensitivity to internal funds of micro enterprises in Lagos State (a municipal with significant presence of Microfinance Banks (MFBs) was compared to that of micro enterprises in Ekiti State (a municipal with no (or limited) presence of MFBs) using a cross sectional survey method and Microfinance Institutions (MFI) branch location data. Results indicate that MFBs alleviated micro businesses’ financing constraints. This approach is applicable to evaluating microfinance impact in other countries.
Review on the Legal System of Fisheries Resources Conservation and Management in China

TANG Yi,ZOU Weihong,

资源科学 , 2010,
Abstract: Historical and current status of the legal system of China's fisheries resources conservation and management is systematically reviewed in the present work.The legal system of the fisheries resources conservation and management was primarily founded in the second half of the 1980s in China,and was gradually amended and strengthened after the mid 1990s.Currently,a relatively complete conservation and management system is basically founded by legislation and practices,including fishing licensing systems,polic...
Assessing Microfinance: The Bosnia and Herzegovina Case  [PDF]
AnneWelle-Strand,Kristian Kjollesdal,Nick Sitter
Managing Global Transitions , 2010,
Abstract: Microfinance is often hailed both as a tool for fighting poverty and as atool for post-conflict reconciliation. This paper explores the use of microfinancein post-civil war Bosnia and Herzegovina, assessing its resultsin terms of both goals. As it combined high unemployment witha highly educated population in an institutionally open context, Bosniaand Herzegovina provides a crucial test of the effect of microfinance. Ifunambiguous signs of success cannot be found in a case with such favorableconditions, this would raise serious questions about the potentialbenefits of microfinance. The paper draws together evidence froma series of independent reviews of microfinance in Bosnia and Herzegovina,to assess its impact in terms of economic performance, theeconomic system, social welfare and post-conflict integration. Basedon this case study, microfinance appears a better tool for dealing withpoverty than with social integration or institution building.
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