Microfinance For Poverty Alleviation Problem Research In Hebei Province

Microfinance for poverty alleviation is an important means of the current financial precise poverty alleviation and the way of financial innovation,not only opened up new channels for poverty alleviation in market economy way,and also has great significance for the reconstruction of rural financial markets and improve the rural financial system.The lack of capital is the core problem of poverty,on the one hand,the poor don't have too many assets,and at same time because of no assets,such as large agricultural production risk and so on the traditional financial institutions refusesed to offer financial services for them.without capital even if the poor peasant households have more production skills and strong willingness to anti-poverty they also hard to out of the plight of the poor.And microfinance for poverty alleviation greatly alleviate difficult and expensive loans for the poor.The purpose of this paper is to analyzes the importance of microfinance for poverty alleviation in hebei province and the necessity of adopting the microfinance poverty alleviation pattern for Hebei;By analyzing the problems existing in the microfinance poverty alleviation pattern in hebei province,draws on the successful experience of home and abroad,puts forward corresponding solving measures,and makes the microfinance for poverty alleviation in hebei province better and better.In this paper,the research content mainly includes six parts:The first part mainly introduces the related theory of microfinance for poverty alleviation,this part as the theoretical basis of this article,first expounds the meaning of poverty alleviation microfinance,that is a poverty alleviation loan product specifically for inputting tent card of the poor to get money to develop.Secondly analyzing the characteristics of the poverty alleviation microfinance,its service target groups more accurate,inputting tent card poor;Procedure is simple,no need to mortgage or guarantee;The cost is low,benchmark lending interest rates,fiscal interest discount,Long term,the loan longest deadline up to 3 years.Finally,this paper expounds the basic theory of anti-poverty microfinance development: theory of financial exclusion,poverty cycle theory,imperfect competition market theory andgame theory.The second part mainly introduces the development of microfinance for poverty alleviation in hebei province,the present situation and existing problems.From its development we can see that the microfinance for anti-poverty mode in hebei province more and more precise,the financial poverty alleviation is implemented step by step,gradually put the money to the poorest place.Committed to anti poverty thoroughly.From the current situation of poverty alleviation microfinance does bring certain effect,developed industry and increase the income of the poor,financial network has covered the whole rural,diversity of poverty alleviation mode,and more and more guarantees.And anti-poverty microfinance in hebei province there are still some problems need to be perfected,such as: the task is still arduous,for poverty alleviation of poverty alleviation funds facing the huge market demand is still insufficient,the financial ecological environment is not perfect and the lack of farmers' financial knowledge hinder financial poverty alleviation work.The third part mainly introduces the three main innovation model for poverty alleviation of Hebei province and analyzed one by one for each pattern of results and problems need to be improved,three models are: FuPing's "government,banks,insurance" mode,LongHua's "government,banks,enterprise,poor,insurance" five integration mode,WeiXian's assets income industry model for poverty alleviation.The fourth part mainly expounds the game relation between each participation main body,mainly includes: the game between central government and local government,microfinance game between suppliers and demanders,between microfinance suppliers and regulators in the game.The analysis of the game relation at the same time resolve the poverty alleviation microfinance model of the causes of problems and need to improve the concrete segment.The fifth part mainly selected and analyzed the more successful anti-poverty microfinance models at home and abroad.Such as Bangladesh's grameen bank,the people's bank of Indonesia,Indian microfinance securitization mode,"The government bank cooperation" model of GanSu province,ZheJiang's "lishui model","Industrial and financial promote each other for poverty alleviation" mode of GuiZhouprovince.Their success for poverty alleviation microfinance mode can provide experience for perfecting hebei province's poverty alleviation mode.The sixth part mainly provides policy advice to improve the poverty alleviation microfinance system in hebei province: first,strengthen poverty alleviation function of formal financial institutions,perfecting the organization system,financial products innovation,improve the comprehensive quality of employees;Second,fully to solve the problems existing in the informal financial institutions,to play its important role in the microfinance poverty alleviation.Thirdly,from the credit system,guarantee system,insurance,risk compensation fund,and post-loan supervision mechanism to improve the microfinance risk prevention mechanism;Forth,perfect financial service system that consisted of the governments at all levels,strengthen the linkage mechanism between different departments,improve the system of poverty assessment,increase the publicity of poverty alleviation work,and perfect the poor participation system.