The Study Of Credit Loans Management Model For Poverty Alleviation

China's rural development for poverty alleviation is a complete system .It's composed of social assistance﹑the government and international assistance . In order to not make the range of study to be too broad this article will be limited to the study of the model that the credit loans for poverty alleviation. This form of loans, "is both a economic issues on the overall situation of national economic development, but also is a major political issue", which as a national financial policy to promote national economic development. It has an important positive role in poverty alleviations. However,in practice there are still some of the issues for further improvement. Therefore, study in-depth of China's anti-poverty loans results in practice, analysis the remaining issues and the reasons, then put forward the reform and the credit management strategies has an important and guiding significance in reality.In accordance with the bank credit management and anti-poverty theories, this paper studied the practice of anti-poverty credit with the combination of China's history of anti-poverty loan process. First, this paper elaborates the size, the procedures and the performance of the anti-poverty loans. Then use the date analysis the economic benefits and the different distribution in farmers on that basis. Second, followed by research data, considering the income of the farmers, social relations, education and arable land factors, the writer use the analysis method of logistic to get the performance of the loans. Finally, this paper researches the reasons that caused the low efficiency of the loans, gives the optimized model of credit management and related countermeasures.The paper is divided into six chapters. The first chapter is a brief description of the background and significance of the dissertation topics, and summed up the current situation of the domestic and foreign loans to alleviate the poverty, and illustrated the application of research methods in this article and pointed out that with the lack and the innovation. The second chapter defines the related concepts about poverty, anti-poverty, and poverty alleviation credit loans, including the theory of balanced growth, Myrdal's anti-poverty theory, the theory of financial benefits, and subsidies on agricultural credit in several theories, writing for the article provides the theoretical basis. The third chapter carded the different periods of different practical activities to alleviate poverty credit since reform and opening up in China, according to the practice of China's poverty reduction adopted by the different stages of management measures. And then the chapter analyzed China's credit management practices to alleviate poverty, in general the application of the correlation analysis, in the micro data for research in the local samples, select Logistic model variables to build the help of SPSS statistical analysis software for data analysis. And the result is an increase in loans to alleviate the poverty, poor households has also increased the cost-effectiveness in the poverty-stricken areas, but the input of loans to help the poor households did not significantly improve the income and payment of interest due to target-driven and problem to enable access to the main departure from the anti-poverty loans, that is the farmers who have more income and social relations got more loans. According to the results of empirical analysis, the paper analyzed the anti-poverty loans and problems that exist in practice and the reasons for the problems. The forth chapter, through the implementation of foreign policy of a low-interest agricultural loans and micro-credit policies of the two policies have made an analysis of the experiences and lessons, combined with China's realities, drawing on the ideas put forward. The fifth chapter of the above analysis, on the basis of a clear principle and target of alleviation poverty practice, showed the optimized alleviation poverty management model, including directly micro-credit model, the whole-village promoting model and the industrialized anti-poverty model. And the sixth chapter combining to regulate the conditions of our country, proposed the management countermeasures and proposals to alleviate the poverty.