Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
At present, there are also personal micro-loans for office workers, generally at 1, 000-50000 yuan. Most of them don't need mortgage, but the credit and information review is strict.
2065438+On September 6, 2008, the Ministry of Finance of China and State Taxation Administration of The People's Republic of China issued a notice, clarifying that the interest income obtained by financial institutions in granting small loans to small enterprises, micro-enterprises and individual industrial and commercial households is exempt from VAT.
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The investment institutions in China microfinance market should come from industrial capital; Financing institutions are banks in law, and leverage tools such as deposit-taking, interbank lending and asset securitization have not been liberalized in policy, and the financing path through listing is still being explored.
At present, China's micro-loan rating has been implemented in various provinces, with local regulatory agencies as the leading institutions, but there is no independent third-party authoritative rating agency. It is expected that all innovative businesses of microfinance institutions in the future will be based on rating evaluation according to the traditional financial supervision concept path; If the open market business is liberalized in the future, there will be a huge demand for independent third-party rating agencies.
At present, international organizations such as IPC, which are active in China, have high market recognition and have completed a large number of consulting services. Exploring micro-credit technology suitable for China is still a hot spot in the market. At present, domestic consulting companies and commercial banks have made some attempts, but they have not yet formed a complete consulting service product.
Baidu encyclopedia-micro-credit loans