A Study On Sustainable Of Poor Village Mutual Funds In Sichuan Province

Mutual aid organization of poverty relief funds in Sichuan since 2006, has been gone for nearly 10 years, for the cause of China's poverty has made tremendous contributions. However, in recent years, with the promotion of China's financial reform, the rural financial market environment has changed dramatically, the financial gap phenomenon gradually eliminated. During 2014, Sichuan began a large-scale poverty relief funds to withdraw from the program, nearly half of the poverty relief funds to withdraw from the historical stage.In this paper, based on relevant theories, using field survey data, descriptive statistical analysis of the development status of Sichuan poverty alleviation fund cooperatives; The framework mainly refer to the Yaron efficiency of rural financial institutions evaluation framework, through the coverage index to study the poverty alleviation fund cooperatives of the target population service, satisfaction degree, again through the poverty alleviation funds mutual agency self sustainable index analysis of mutual agency self sustainable ability, combined with the factors affecting rural households borrowing, empirical analysis poverty alleviation funds mutual problems exist in the process of social development.The main conclusions of this paper are as follows:(1) there is not much money to lend to farmers, mutual funds are less attractive to farmers, and the ability to develop mutual aid agencies is reduced.(2) in some areas, there is a part of the farmers are not involved in mutual assistance, especially the lack of poor farmers to participate, which is contrary to the purpose of poverty alleviation.(3) loan product design rationality should be further improved, set the loan products and the actual loan management mode is not consistent, a part of the village there are overdue debt problems.(4) the quality of the management personnel of poverty alleviation and mutual aid agency is low, and the management ability is insufficient.(5) according to the subsidy dependence index shows that Sichuan province poverty alleviation fund cooperatives there is no self realization of sustainable development in some areas, lending rates low, unable to maintain sustainable development.(6) mutual funds borrowing less attractive, does not meet the higher demand of the lending capacity of farmers.(7) the impoverished village cooperatives lack of thinking for further development and specific planning.Based on the above conclusions, this paper argues that poverty alleviation fund cooperatives should strengthen their team building and construction, improve the professional level staff and fund management, adapt to market demand, the introduction of formal finance, multi-channel to meet farmers' willingness to lend, improve its service standards and ability; cooperatives do not forget the original intention of poverty alleviation, strengthen efforts helping the poor farmers, the poverty as soon as possible; make full use of its inherent advantages, intensify propaganda, training farmers credit consciousness; strengthen inter regional exchange of learning, to introduce advanced management experience.