28152141 28 ) 212 5 7
1...1 2...3 3...7 4...17 5...36 6...37 7...38
212 211.11.3 1
28152141 8 1 28,1 2 3 4 1. 24 8. 2.. 28. 3. 29 12 4. 1 2 1 211.12.1-212.3.1 212.1.1 2 212.3.1-212.5.1 3 212.5.1-212.5.2 2
212 211 1 1 28152141 8 29 21 1 211.12.1-212.3.1 212.1.1 2 212.3.1-212.5.1 3 212.5.1-212.5.2 3
211 21 9 3928 24 2878 1.58 211 23 21 28 96% 27 28 211 1 211 4
29 21 96% 7% 22% 28 99.99% 24 28 5
28, 28 6
212 : 212 4 22 28152141 8 1 2 7
1 2 3 4 5 29 21 9 8
1 2 9
1
1. A 2 3 4 5 E 5 2. A 1 2 3 E 3 3. A 1 2 3 4. A E F G H 5. 6. 1. (1) (2) A. E F (3) A 2. (1) 11
2 A 3. (1) A (2) A E F (3) A E F 4 (1) A (2) A (3) A (4) A (5) A (6) A 5. (1) A (2) A 12
(3) A (4) A 1-3 3-5 5-1 1 (5) A (6) A 1-3 3-5 5-1 1 (7) A E (8) A (9) A 6 (1) A (2) A (3) A 7. (1) A (2) A 8 (1) A (2) (3) (4) A 13
1 A E 5/43 1/43 1/43 4/43 14/43 2 A E 14/45 19/45 6/45 6/45 3 A 13/45 18/45 14/45 4 A E F G H 1/48 8/48 28/48 8/48 3/48 5 ~2] 2~4] 4~6] 6~8] 8 3/44 9/44 14/44 13/44 2/44 3/44 5 2/38 ~2] 15/38 2 3/38 6 18/41 17/41 4/41 2/41 1 1 (~1] (1~2] (2~3] (3~5] (5~1] 1 14/31 6/31 4/31 3/31 2/31 2/31 1 2 A E F 7/54 2/54 21/54 1/54 3/54 2/54 1 3 A 2 1 2 2 A 3/38 8/38 3(1) A 19/53 33/53 1/53 3(2) A E F G 18/61 2/6 4/6 3/6 1/6 5/6 3/6 6/6 14
3(3) A E F 19/39 16/39 4/39 4(1) A 41/43 2/43 4(2) A 32/41 9/41 4(3) A 28/39 6/39 5/39 4(4) A 37/4 1/4 2/4 4(5) A 15/41 26/41 4(6) A 21/29 2/29 2/29 4/29 4(7) A 31/41 3/41 7/41 4(8) 5(1) A E 4/52 2/52 4/52 33/52 7/52 2/52 (2)1 A 19/44 9/44 2/44 14/44 2 2 A 8/29 8/29 3/29 1/29 (3) A E 1/49 13/49 1/49 32/49 2/49 (4)1 A E F G 6/34 3/34 1/34 9/34 3/34 7/34 5/34 (4)2 A E F G 1/6 3/6 1/6 1/6 (5) A 33/41 8/41 A E 6/32 1/32 3/32 13/32 (6) A 16/36 2/36 15
A E 1/15 2/15 12/15 6(1) A 26/26 2 3 A 12/13 1/13 7 1 1 A 18/21 3/21 7 (1)2 A 9/13 1/13 3/13 7(2)1 A 7(2)2 A 8(1) A 27/41 5/41 8/41 1/41 8(2) A E 1/39 5/39 1/39 6/39 8/39 9/39 8(3) A 1/39 6/39 8/39 15/39 16
28152141 28 212 4 25 17
18
Title aoding Rural Microfinance evelopment Survey based on the field survey of the Yixian pro-poor economic cooperatives Abstract Micro-credit has developed in the rural areas of hina for nearly two decades, which has already achieved fruitful practical achievement and been certified as an effective means of helping the poor to get rich.in order to have a deeper understanding of the micro-credit development and master the basic situation of aoding rural micro-credit development, this paper take a representative operating agency of micro-credit in hina Yixian pro-poor economic cooperatives as the object of this field survey. y listing the detailed data from the survey and making rational analysis,this paper describes the problems in its process of development and make recommendations correspondingly to the problem for the sustainable development of the Yixian micro-credit. Keywords Micro-credit FP Sustainable development 19
1 21 2 21 2.1 21 2.2 22 3 28 3.1 28 3.2 28 3.3 29 3.4 29 3.5 29 4 3 4.1 3 4.2 3 4.3 31 4.4 31 4.5 32 33 34 35 2
1 2 2.1 27 43 3.9% 1 21
6.4% 14% 31% 48.6% 1 2.2 1994 4 24 21 1.58 24 3928 21 2.2.1 22
23 2 2.2.2 2.2.3 8% 16% 5%
5% 2.2.4 2.2.4.1 2.2.4.2 2.2.4.3 2.2.4.4 2.2.4.5 24
2.2.5 2.2.5.1 2.2.5.2 55 26 21 8 15 1 4.86% 5 4 3 2 1 47 4 13 2.2.5.3 25
2.2.5.4 29 8 3.53% 2.2.5.5 26
2.2.6 113.6 28 2 29 3 21 78 16 29 1 14 25% 44% 12% 19% 27
3 3.1 3.2 29 2.15 1 28
29 7 61 584 432 2326 835.5 697.8 658.7 535.55 2727.55 / 119.4 114.4 112.8 124 117.3 % 3.3 3.4 8% 3.5 29
4 4.1 4.2 21 7 28 3
4.3 4.4 31
4.5 32
33
1. [J]. 24 812~3 2. [J]. 28 133~36 3. [J]. 28 15119~121 4. [J]. 27 2473~74 5. NGO [J]. 211 567~71 6. [J]. 211 1215~17 7,. [J]. 29 12 59~63 8. [J]. 28 317~21 34
35