The primary cause of small and micro-enterprises’ financing difficulty is due to the fact that banks couldn’t get to know the effective information about their financial conditions, the actual controller status, as well as their production and sales conditions, leading to severe information asymmetry.

We should actively prevent and properly handle financial risks and keep money creation mechanism unhindered; relevant policies and supporting measures for reform need to be made to prevent further distortion of resource allocation structure caused by monetary policy.

To evaluate the effects of rural credit system building, we made field surveys in Anshun city of Guizhou province, as this city enjoys a complete rural households’ credit information system.

In recent years, China’s financial institutions have rapidly improved their capital strength and the globalized level.

To learn about experience from the Australian financial departments.

Since the Great Depression in 1929, the US financial regulatory system has made adjustmentsin light of new conditions when crisis broke out or the financial system went through significant changes.

They visited central banks, financial supervisory and management departments and major financial institutions in the three countries.