Since 193, China has a history of more than 10, and has experienced the process from international donation, government subsidy support to commercial operation. At present, China's micro-credit led by non-governmental organizations has begun to develop. At present, China's microfinance can be roughly divided into three types: first, guaranteed loans for laid-off workers, student loans and poverty alleviation loans provided by big banks, with a total loan amount of hundreds of billions of yuan; The second is the small loans of rural credit cooperatives. There are 6 1 10,000 farmers enjoying loans192.7 billion yuan, accounting for 27.3% of all farmers; There are also some farmers who guarantee loans, about120,000 households enjoy loans 14 1 100 million yuan; Third, at present, there are more than 100 non-governmental microfinance organizations, and loans have been provided about 1 100 million yuan. Although micro-credit appeared earlier in China, there were many problems with China characteristics in the operation of micro-credit, which led to a large number of commercial banks withdrawing from the micro-secured loan mechanism, which created market opportunities and necessity for the establishment of micro-credit companies.

According to the Guiding Opinions, microfinance companies are limited liability companies or joint stock limited companies established by natural persons, corporate legal persons and other social organizations that do not absorb public deposits and operate microfinance business. Small loan companies carry out business within the scope prescribed by laws and regulations, operate independently, be responsible for their own profits and losses, and operate at their own risk. Their legitimate business activities are protected by law and are not subject to interference by any unit or individual. The source of registered capital of a small loan company shall be true and legal, and all of them are paid-in monetary capital, which shall be paid in full by the investor or promoter at one time. Among them, the registered capital of a limited liability company is not less than 5 million yuan, and the registered capital of a joint stock limited company is not less than 6,543,800 yuan; And the shares held by a single natural person, enterprise legal person, other social organizations and their related parties shall not exceed 65,438+00% of the total registered capital of the microfinance company. The main sources of funds for microfinance companies are capital paid by shareholders, donated funds and integrated funds from no more than two banking financial institutions, of which the balance of integrated funds obtained from banking financial institutions shall not exceed 50% of net capital. The interest rate and term of the capital will be determined by the microfinance company and the corresponding banking financial institutions through independent consultation, and the interest rate will be determined based on the "Shanghai Interbank Offered Rate".