What are the types of microfinance in China?

1. What are the types of microfinance in China?

If you want to join the domestic microfinance, you need to find the local microfinance alliance with your household registration book and ID card, and ask the account manager to apply for joining. Specific method: 1, bring your household registration book and ID card. 2. Find microfinance; 3. Find the account manager; 4. Fill in the application form; 5. Wait for approval and agree to join. China Microfinance Association, abbreviated as Alliance, English name: China Association of Microfinance (CAM), formerly known as "China Microfinance Development Promotion Network", is the first microfinance industry association in China, which is composed of domestic microfinance institutions and domestic and foreign institutions and individuals supporting microfinance. As an effective poverty alleviation method and financial innovation, microfinance has been tested, demonstrated and popularized in China for more than ten years. As we all know, as the first batch of microfinance institutions engaged in microfinance experiments in China, most of them are non-governmental and non-profit organizations established with the assistance of international organizations or the support of local governments. They have played an active role in promoting the development of microfinance in China and made great contributions to the cause of poverty alleviation. However, due to the restrictions of policies and laws, the limitations of microfinance institutions' own systems and capabilities, and the lack of funds, it is difficult for these institutions to develop continuously. We believe that microfinance, as an effective means of poverty alleviation, can be sustainable and long-lasting only if it is brought into the overall framework of financial reform and development in China.

Second, how to become a qualified bank loan officer?

There are mainly the following aspects:

First, actively change ideas and dare to face the challenges of new posts.

Facing the brand-new post, how to develop China's credit business is an urgent problem for me to solve. Savings tellers are basically counter marketing, and loan officers need to publicize credit information in time, go to customers' homes, learn about customers' basic situation and business information on the spot, investigate and master customers' loan purposes and repayment willingness, and analyze customers' repayment ability. According to the characteristics of the new post, I framed five working ideas: learning and mastering credit information in time; Analyze the target customer base; Timely door-to-door publicity to selected target customers; Do a good job of pre-lending, mid-lending and post-lending; Ensure that the repayment period is tracked ahead. Through a period of hard work, my business has gradually become familiar. The speed of handling business is the fastest in the whole bank, and the number of customers is also increasing. Credit business has embarked on the road of rapid development.

Second, strengthen study and strive to improve personal quality.

I am well aware of the importance of learning. Since joining the work, in my spare time, I have applied for the door industry examination of the banking industry in time. At the same time of self-improvement, it also helps new employees to quickly enter the working state, patiently coach, and promote new lenders to adapt to new positions better and faster.

Third, overcoming difficulties and daring to suffer hardships can ensure the all-round development of credit business.

How to integrate postal savings into local economy has become an important breakthrough in the credit work of sub-branches. Industrial and commercial households, farmers and growers are the main customer groups of our credit, especially farmers and growers are mostly in remote rural areas with inconvenient transportation. In some places, it takes hours to walk, and in some places, the environment is very poor, and the feet are worn out and the legs can't walk. We gritted our teeth and stuck to it.

Fourth, observing various systems can effectively promote business development.

Speaking of work experience, I think a good personality is an important prerequisite for doing a good job in credit. If you have a good personality, customers can truly trust you and avoid risks better. In handling business, customers often bring gifts, but we all refuse them one by one. It is our mission to do a good job in customer service. Only honest, efficient and honest work can effectively promote business development and gradually increase customer base.

Credit work is always very busy, as if there is no holiday, no leisure, publicity, investigation, and overtime in front of the computer until late at night. Even so, always devote yourself to the next day's work with full enthusiasm. Every day is full, time always passes quickly, and time is always not enough. This is my biggest feeling since I started my credit work.

Lei Feng's words always inspire me. Human life is limited, but serving the people is infinite. I will devote my limited life to serving the people indefinitely! I will keep this sentence in mind, so as to motivate myself to be an excellent loan officer in my future work, not afraid of hardships, study hard, love my job and be dedicated.

There is such a joke: a man and his girlfriend are shopping, and when they see a red light, they run over. You broke up with your girlfriend when she said you dared to run a red light and do something illegal. He met another girlfriend. While he was shopping, he saw the red light and waited honestly. His girlfriend is unhappy, saying that you dare not even run a red light. What else can you do?

Although this is a joke, it tells the fact that some people are indifferent to laws and rules. In fact, the lack of awareness of rules can be seen everywhere around us. From running red lights, rolling yellow lines, spitting and littering, to breaking contracts, cheating and breaking the law at will. Some people seem to be used to these phenomena. As we all know, individual will is higher than social rules, and individual behavior is above institutional constraints. This is a very terrible thing. Without rules, there would be no Fiona Fang. Laws and industry rules are the cornerstones of social operation and enterprise development, and the basic elements of orderly social operation, healthy development of enterprises and harmonious coexistence among people. Compliance is the lifeline of banking professionals. We can imagine that if the law is flexible and ineffective, society will be chaotic; If the rules can be flexibly mastered and adjusted at will, and everyone will do whatever it takes to achieve their own selfish desires, what will the enterprise become?

Far from saying, in recent years, the fund cases of postal savings have caused adverse effects in society, the management of banks has been questioned, and the awareness of law and discipline and moral standards of employees have been denied. There is a simple reason. "Ten cases and ten violations", rules not followed and illegal operation are the main reasons for the cases.

In addition to the above aspects, we should also set some requirements and goals for ourselves:

First, strengthen study and strive to improve business skills.

Over the past year, I have studied credit knowledge seriously, read relevant books, and finally mastered basic financial knowledge and credit business skills through unremitting efforts. I became familiar with the new business process of the Head Office for the first time, handled the first commodity financing loan from the bank, and established a good business cooperation relationship with logistics supervision enterprises, which laid a foundation for the Bank to handle commodity financing business in the future. Because I haven't been in the credit post for a long time, I don't have much credit knowledge. So I actively participated in every relevant training organized by the head office. At the same time, read relevant credit books after work, increase your own "knowledge base", grasp the relevant national industrial policies in time through online consultation, and reduce the credit risk brought by national macro-control.

Second, do a good job seriously.

I love my job, I can treat every task correctly and seriously, I can work actively, I can abide by all the rules and regulations seriously, and I can finish the tasks assigned by the leaders in time.

As the marketing manager, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risk. So I constantly remind myself and constantly enhance my sense of responsibility. I know that the quality of credit assets is related to the bank's business development plan, and the responsibility is more important than Mount Tai.

3. Actively complete the tasks assigned by the Head Office.

During the development of the credit rating system, the Head Office actively cooperated with the project team of the Head Office, and completed the tasks assigned by the project team with high quality in advance, which was praised and recognized by the leaders of the Head Office. In the new business developed by the head office, we carefully studied the relevant documents, sorted out the process, and actively discussed with the leaders of the company's business departments to correct the shortcomings of the existing process, which was affirmed by the leaders of the company's business departments.

No matter how long you work, you should always update your knowledge system. It is essential to know the knowledge and news in the industry, so as to keep up with the pace of customer development and industry development and do things in line with the status quo. It is suggested to read more books on microfinance and consult the credit industry, including industry rules and industry supervision policies. Only by enriching your knowledge base can you be prepared.

Without a goal, you will never succeed, because you will never reach the other side. At the beginning of the year, I set the performance goals and work indicators I want to achieve this year, and unswervingly complete them step by step according to the indicators. No excellent person is accomplished overnight, and it needs to be accumulated over time. Therefore, doing a good job every day and sticking to it will become a harvest on the way forward.

3. How to join China Microfinance Association?

Contact: Ms. Lu

Office telephone: 86- 10-85 196476 fax: 86- 10-85 196476.

Contact: Ms. Zhu

Office telephone: 86- 10-85 196476 fax: 86- 10-85 196476.

E-mail address :cam@chinamfi.net

Website address: www.chinamfi.net

Office Address: Institute of Rural Development, China Academy of Social Sciences, No.5 Jianguomen Inner Street, Beijing 134 1 Room 100732.

4. How to join China Microfinance Association?

If you want to join the microfinance in China, you need to hold a household registration book and a credit union, and find an account manager to apply for joining. Specific methods:

1. Bring your household registration book and ID card.

2. Find microfinance,

3. Find the account manager.

4. Fill in the application form,

5. Waiting for review and agreeing to join.

China's English name: ChinaAssocrofinance(CAM), formerly known as "China Microfinance Development Promotion Network", is the first national microfinance industry association composed of domestic and foreign institutions and individuals supporting microfinance.

As an effective poverty alleviation method and financial innovation, microfinance has experienced more than ten years of development in China. As we all know, as the first batch of credit institutions, most of them are non-governmental and non-profit organizations established with the assistance of international organizations or the support of local governments. They have played an active role in promoting the development of microfinance in China and made great contributions to the cause of poverty alleviation. However, due to the institutional and capacity constraints of lending institutions and the lack of funds, it is difficult for these institutions to maintain the overall framework of microfinance and development as an effective means of poverty alleviation, so as to achieve sustainable development and produce long-term effects.