Research In The Micro Credit Poverty Alleviation Policy Of China City

The credit as a financial method in promoting economic development is playing a positive role in the aspect of alleviating poverty. The jot credit, an outstanding method that is uniquely designed for helping the poor domain, receives more and more attentions in the developing nations. First, the jot credit customer goal aims at the impoverished population that is at the position of money market edge, because the impoverished population loan has the characteristics such as large amount, high risk, unable to provide the guarantee, higher expense in the management and trade. Therefore, the regular financial organs reject the impoverished population loan as a result of interest-driven and the policy-type limit. The international experience proved that, the majority of developing nations in the process of utilizing interest-paid loan to help the poor, had the serious phenomenon of benefit leak-off. And the actual effect had deviated from the goal of helping the poor. The interest-paid loan causes the phenomenon that it is seized by the non-impoverished. Simultaneously low repaying rate also is one of the malpractices of the interest-paid loan.The system jot credit uses the rule of market economy movement, emphasizes on the realization of the goal of helping the poor goal and at the same time on maintaining the sustaining of the finance. Meanwhile, the system stipulations of the jot credit such as the small amount, the short-term, the poverty self-organizations as well as the mutual guarantee has repelled the non-poverty automatically, and had guaranteed the repaying rate.At present our country is in the economical switcher time, therefore, the readjustment of the economic structure, the reformation of the state-owned enterprise and other changes in economic system have caused a batch of new impoverished populations in the city, among which the majority is the laid-off workers. These people are generally in 30-50 years age section, having experience, ability, the embark enthusiasm and the possibility, but lacking the funds. This article based on the analysis of the relationship between the jot credit and helping the poor takes the jot credit fund as the breakthrough point to enter the domain of helping the poor in cities. Modeling international jot credit success experience, with the reference to the effect of implementation of the jot credit in countryside, it further studies the function of the jot credit in helping the poor in cities.The structure of this article is as follows: First, it introduces the international advanced experience in the jot credit, the operating process and its supervising and managing target and then based on the foundation of the discussion on the present situation of the poverty in cities, it studies the feasibility of the jot credit in helping the poor in cities. Through the analysis of the current problems of the jot credit in cities, which exists in its operation process, this article finally explores the road of future development for the jot credit in cities from the angles of the external environment of the jot credit organizations as well as its internal mechanism.