| “Poverty alleviation,livelihood improvement and common prosperity” are important conditions for social stability and harmonious development as well as unswerving goals of CCP.The achievement of poverty alleviation is obvious to all,but it is undeniable that China is still a developing country with a low level of per capita income,a large poverty population base,prominent relative poverty among regions and complicated deep contradictions restricting the development of poverty-stricken areas,so there is a long way to go for poverty alleviation.In July 2015,Gansu Province launched the targeted poverty alleviation loan program benefiting all poor households.The loans of 43.1 billion yuan were issued with the provincial financial discount of 1.92 billion yuan,benefiting the poor population of 3.955 million from958,000 households.The performance of the loans must be profoundly analyzed and comprehensively evaluated to thoroughly understand the implementation of the program,accurately grasp the efficiency and effectiveness of loans,and fully master the influence of the program on poverty alleviation and social and economic development.A performance evaluation index system was designed based on the nature,characteristics and performance evaluation requirements of the program.Through the investigation of implementation,basic information was collected and the statistical analysis and other methods were used for data analysis and processing.This paper made a comprehensive evaluation on the performance of the program from four aspects,organizational management,fund efficiency,fund effectiveness and sustainable development capacity.According to the evaluation results,the comprehensive performance of the targeted poverty alleviation loan program was good.The performance of organizational management was excellent,indicating that the loan process was transparent with strong organization,complete management,improved supervision,and high satisfaction and awareness.The performance of fund efficiency was good,indicating that the loans were issued timely,most of them were used for production and business activities,and they promoted the use of social funds.The performance of fund effectiveness was average,indicating that despite a certain effect on the growth of farmers’ income,the loan was limited in the improvement of the income structure of farmers due to its low rate of return.The performance of sustainable development capacity was excellent,indicating that the farmers improved production skills,achieved stable growth of income,enhanced risk awareness and expanded information access channels.According to the evaluation results,the program greatly contributed to the increase of farmers’ income and local economic development,but therewere some deficiencies in loan system arrangement,organizational management,fund use and risk prevention.For the above problems,some suggestions were proposed to optimize institutional arrangements,strengthen organizational management,achieve innovations,and improve the risk prevention and control mechanism. |
