The Institutional Dilemma And Legal Perfection Of Poverty Reduction Through Microfinance

Microfinance as a measure to support the economic development of the poor areas,plays an important role in anti-poverty,especially the model of grameen bank in Bangladesh after remarkable achievements in poverty,microfinance as a kind of poverty alleviation measures.caused the attention of the countries all over the world,in the early 1990 s,our country also introduced microfinance.With the advancement of poverty alleviation in China,microfinance,with its unique "micro-finance" services,has gradually become the backbone of China's financial poverty alleviation.At the same time,the Chinese government also attaches great importance to the development of microfinance in the form of microcredit,and has issued a series of policy documents to promote the development of microfinance,with a view to forming the poverty reduction effect of microfinance.However,along with the advancement of the commercialization of microfinance,it has gradually deviated from the preset goals of the system,resulting in problems such as service object deviation,poverty alleviation region moving up,and low poverty alleviation efficiency.Investigate the root,the root of the microfinance poverty alleviation running alienation is system supply problem,in this context,in this paper,the current situation of the microfinance poverty alleviation system supply,put forward the system supply problem such as dislocation,deficiencies,and on the basis of using the experience of countries outside the system,conforms to the microfinance poverty alleviation and development in our country law perfect path.The main content of this paper is divided into five parts,the basic framework is:Chapter 1 is an overview of microfinance poverty alleviation.Firstly,the concept and characteristics of microfinance and its role in alleviating poverty.Second,the theoretical basis of poverty alleviation through microfinance is discussed.From financial exclusion theory,financial equity theory,inclusive finance theory and empowerment theory,relevant theories are analyzed in depth.Chapter 2 is the current situation of poverty alleviation system and poverty alleviation development.This part firstly starts from the current system arrangement of poverty alleviation through microfinance in China,and Outlines the general goal of poverty alleviation through finance in China,the standard of poverty alleviation organizations and objects through microfinance,the standard of poverty alleviation methods through microfinance,and the risk prevention and control standard of poverty alleviation through micro finance in China.Then on the basis of data analysis and literature study,analysis the microfinance poverty alleviation and development present situation in our country,so as to reveal the practice running at present,China's microfinance of object deviation,area up for poverty alleviation,such as low efficiency targets for poverty alleviation migration issues,and then presents a system ought to be a conflict between state and operation state of reality.This part is the logical starting point of this paper.Chapter 3 is the institutional obstacles of poverty alleviation through microfinance.This part aims to analyze the existing problems of system supply,and points out that the deviation of microfinance from the poverty alleviation target is because the system supply cannot meet the needs of poverty alleviation through microfinance.First,the dislocation of system supply: the deviation of targeting mechanism of poverty alleviation target,the dislocation of supervision system of poverty alleviation subject,and the suppression of private capital participating in poverty alleviation through micro finance.Second,the lack of system supply: the legal status of microfinance organizations is unclear,the financial development right and implementation mechanism of poverty alleviation targets are missing,the fiscal and taxation system is not perfect,the risk sharing system is short,and the withdrawal mechanism of poverty alleviation targets is not perfect.Chapter 4 is the overseas investigation and experience reference of the legal system of poverty alleviation of microfinance.This part firstly introduces the legal system of inclusive finance in the United States with the community reinvestment act,equal credit opportunity act and other ACTS as the core.Secondly,the legal system of grameen bank in Bangladesh and the legal system of microfinance in Indonesia are discussed.Finally,summarize the above overseas countries' legal systems and summarize their successful experience for our reference.Chapter 5 is the way to perfect the poverty alleviation system of microfinance.This part elaborates from the three aspects of strengthening the legal incentive mechanism,exploring the poverty alleviation constraint mechanism and optimizing the risk prevention and control system,trying to build a perfect poverty alleviation system framework of microfinance,so as to alleviate the dilemma of the alienation of the poverty alleviation system of microfinance in China and provide institutional guarantee for the realization of the poverty alleviation target of microfinance.