Research On How To Compromise The Poverty Alleviation Policy And The Micro-loan Of Commercial Bank

It is a serious practical problem to be solved urgently in the development of rural economy in contemporary China.After the concept of "precision poverty alleviation" was put forward,the government asked commercial banks to support poverty-stricken people through financial poverty alleviation,and commercial banks to lend to poor households,which is a test of their business process and wind control capability.How to achieve the combination of micro-credit and poverty alleviation policies in commercial banks has also become a practical issue.In this context,firstly,on the basis of the literature review at home and abroad,this paper analyzes the combination of microcredit and poverty alleviation policy in commercial banks,that is,the government,commercial banks and poor households in the loan payment and repayment The government should give full risk compensation and policy rewards,reduce the financing costs of poor households,increase the enthusiasm of the bank's lending,and banks should continue to cultivate credit customers.In the case of loans,,To achieve the continued development of small loans for poverty alleviation;in the loan repayment link,the Government should take measures to cooperate with banks to recover,and poor households trustworthy repayment is to increase their income,the best way out of poverty.Secondly,this paper analyzes the status quo of the combination of microcredit and poverty alleviation policy in commercial banks,and analyzes the data of small poverty alleviation loans from 1921 to 2016 and distributes questionnaires to 267 poor households.The results show that the issuance of small poverty alleviation loans to improve the income of poor households to improve,but also improve the credit rate of poor households to obtain credit.However,the current small-scale poverty alleviation loans are still possible to be misappropriated,recycling and project success rate is low,the lack of appropriate poor households and other issues.Thirdly,this paper makes an empirical test on the performance of the combination of microcredit and poverty alleviation policy in commercial banks.By using the least squares method to analyze the correlation between small-scale poverty alleviation loans and income of poor households,it is concluded that small-scale poverty alleviation loans Has a positive impact,the amount of loans to its operating income and total income have a significant impact,demonstrated the combination of micro-credit and policy on the promotion of poor households income role.Finally,on the basis of summarizing the full text,this paper puts forward some suggestions and measures from the policy and operation level,so as to bring some enlightenment to the development of microcredit and poverty alleviation policy in commercial banks.