A Study On The Performance Of S Rural Commercial Bank’s Microfinance For Poverty Alleviation

The problem of rural poverty in China is highly concerned by the Communist Party and the government of China for a long time,the Communist Party of China Central Committee placed taking targeted measures to help people lift themselves out of poverty into the 13 th Five-Year by the end of 2015,improving people’s lives,to achieving a comprehensive poverty is the basis of building a moderately prosperous society,also is the security to achieving the great rejuvenation of Chinese nation.Microfinance is undoubtedly an effective way among the methods of poverty alleviation.Based on the capital mechanism,microfinance solved the financing problem of poor people,provide support to poor people,so that they are not constrained by funding,and to cultivate their self-development ability,finally make them out of poverty.However,as the main of microfinance to help the poor,the rural commercial banks off the target owing to the interests.It is a useful supplement to the poverty alleviation and development work in the context of precise poverty alleviation to reasonably evaluate the poverty alleviation performance of microfinance in rural commercial banks and improve the effect of microfinance to poverty alleviation in rural commercial banks.In this paper,as a simple,microfinance on the practice of poverty alleviation in S rural commercial bank.First,from the theoretical perspective,this paper clearly defined the theoretical connotation of microfinance,based on the public goods theory,the theory of financial restriction and the financial exclusion theory,established a microfinance theoretical framework,and theoretically analyzed the mechanism of microfinance to poverty alleviation.Secondly,after summarizing the basic situation of microfinance in S rural commercial bank,this paper analyzed the agricultural production of local poor farmers by the poor farmers data of microfinance in S rural commercial bank,summed up the effect and shortcomings of the microfinance in S rural commercial bank.Based on the theoretical analysis and case analysis,this paper used the welfare model,to evaluate performance of the microfinance to poverty alleviation in S rural commercial bank from the perspective of the welfare changed for poor farmers,research shows that poor farmers’ welfare level significantly raised by the microfinance in S rural commercial bank,the farmer’s poverty problems significantly improved.S rural commercial bank to make up for the gap of agricultural investment and agricultural productivity by improving the investment ofmicrofinance,effectively help poor farmers out of poverty.In order to promote S rural commercial bank to serve the "agriculture,rural areas and farmers " better,and enhance effect of microfinance to poverty alleviation in S rural commercial,this paper summarizes the feasible policy recommendations by follows,in the optimization of internal environment of microfinance to poverty alleviation in S rural commercial bank need to be clear the development orientation of microfinance,reduce the cost of poverty farmers;extend the support field of microfinance,improve the operational mechanism of microfinance;construct the mechanism of credit management,enhance the benefits for farmers.In the improvement of external environment of microfinance to poverty alleviation in S rural commercial bank need to enhance the cognition of microfinance,strengthen the propaganda of microfinance;strengthen the guide of microfinance,expand the effect of poverty alleviation;strengthen the policy support of microfinance,promote comprehensive poverty alleviation.