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The wallet loan shows that the loan is in progress. Can you pay?
Microfinance is an operating loan with individuals or families as the core, and the loan amount is generally more than 1 000 yuan and less than 200,000 yuan. Microfinance is an extension of microfinance in technology and practical application.
1. Microfinance in China 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. Microfinance has the characteristics of wide loan scope and flexible marketing model.
2. From the international popular point of view, microfinance refers to the small continuous credit service provided by low-income groups and micro-enterprises. Its basic characteristics are small amount, no guarantee, no mortgage and serving the poor. Microfinance can be provided by formal financial institutions and specialized microfinance institutions or organizations.
3. Microfinance organizations are divided into two categories according to the characteristics of their business operations: commercial and welfare, also known as institutional and welfare. The former emphasizes the institutional sustainability of microfinance management and target design, represented by the People's Bank of Indonesia. The latter pays more attention to the role of the project in improving the economic and social welfare of the poor, represented by Bangladesh Rural Bank.
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