A Study On The Problem Of Financial Poverty Alleviation In Aba Base On The Viewpoint Of Commercial Bank

Under the background of targeted poverty alleviation,as the main implementer of financial anti-poverty policy,how the Commercial Bank play effectively its capital accommodation,thereby forms the commercial sustainable anti-poverty mode,which have the important significance for the effect of financial poverty alleviation.This article takes the credit risk and transaction cost of Commercial Bank as the entry point,through carrying out the analysis for the relevant theories of financial poverty alleviation,it puts forward the connotation,influence factors and policy boundary of financial poverty alleviation.Secondly,it carries out the research on Aba Prefecture,from the financial policy,Commercial Bank and anti-poverty financial products to state the detailed methods of financial support poverty alleviation,combines the suggestion and investigation of Commercial Bank,summarizes the Commercial Bank faces the cost problem,risk problem and benefit problem in the financial poverty alleviation.It makes the summary for the above problems from the macro policy level,the environment level of Meso Finance and the self-operation of micro Commercial Bank according to the qualitative analysis and survey analysis methods.It carries out the analysis for the domestic and foreign banks whom adopt the typical methods for the development of poor areas,it fully refers to the successful experiences,which lay the foundation for the improved suggestion of financial poverty alleviation of Aba Prefecture.At last,it pays attention to the Commercial Banks in Aba Prefecture face the problems in the financial poverty alleviation,combines the successful experiences in China and abroad,aims at reducing the cost,decreasing the risk and improving the activity of Commercial Banks,puts forward the improved thinking.