Research On The Legal Guarantee System Of Rural Financial Poverty Alleviation In China

The Party Central Committee and the State Council attach great importance to the role of rural finance in poverty reduction.Since 2003,the central government has unswervingly promoted a series of important reforms,such as deepening the reform of rural credit cooperatives,and issued a number of supporting policies to accelerate the innovation and development of rural finance.The rural financial service system is becoming increasingly complete,the ability of rural financial poverty alleviation has been significantly enhanced,and the rural financial ecological environment has continued to improve,which has played an important role in promoting agricultural production,rural economic development,and increasing farmers' income.But at the same time,the contradiction between supply and demand in rural finance is still outstanding.The lack of rural financial resources and the irrational allocation of financial funds in rural areas have greatly reduced the efficiency of poverty alleviation in rural financial markets.And because the development of rural financial industry in China has been guided by the government for a long time,it has not been able to build an effective market-oriented structure.At present,under the background of overall poverty alleviation in 2020,the national finance and governments at all levels give great support to the rural financial poverty alleviation work,so the rural financial market can still present a thriving scene,and its poverty alleviation work can also perform well,but poverty alleviation not only lies in the concentrated poverty alleviation in the short term,but also the continuous containment of returning to poverty.Under the premise of limited world resources,the poor will have a realistic long-term existence,which cannot be avoided.Therefore,the core of poverty alleviation work should be continuous and substantial assistance to the poor and potential poor.Under this requirement,the rural financial poverty alleviation work must have certain independence and self-reliance.In addition to staged national policies,it is also necessary to build a stable and systematic legal guarantee system to promote the marketization of rural financial markets in order to be able to respond to changes in national policy.Chapter one: overview of rural financial poverty alleviation.First of all,the connotation of rural financial poverty alleviation is elaborated from three aspects: concept,characteristics and form.Rural financial poverty alleviation: it aims to provide credit,insurance and other financial services for rural poverty alleviation objects,guarantee their production-oriented financial needs,and improve the ability of rural poor groups and rural self-poverty alleviation.The characteristics of rural financial poverty alleviation include accuracy,sustainability and effectiveness.Financial poverty alleviation adopts the way of investment of paid funds to carry out and implement poverty alleviation work,and pursues profits on the basis of poverty alleviation.The poverty alleviation targets can get loans from financial institutions,and use the role of financial leverage to embody the concept of "giving them fish" in the form of "hematopoiesis".The forms of rural financial poverty alleviation in China include micro credit business,deposit and large amount credit business,rural insurance service,futures and other financial derivatives.Secondly,this paper discusses the value of rural financial poverty alleviation.Starting from the meaning of poverty,this paper demonstrates the meaning of poverty,the value of poverty alleviation and the effect of financial Finance on poverty alleviation.Chapter two: the current situation of the legal security system of rural financial poverty alleviation in China.This chapter is mainly based on the problems in the practice of the legal security system of rural financial poverty alleviation.On the basis of taking the vertical practice division stage,it is summarized as the inclined legal protection system of rural financial institutions,the legal supervision mechanism of rural financial institutions,the legal security system of the financial rights of rural poor people and the assessment system of rural financial poverty alleviation.Chapter three: the inadequacy of the legal security system of rural financial poverty alleviation in China.First of all,rural financial institutions lack of preferential legal protection.First,the market access standards are not perfect.Although the overall market access of rural financial institutions in China shows a loose trend,but there are still many problems in the implementation of various places.Some places not only increase the registered capital,but also require the establishment of rural financial institutions to be guaranteed by the local government.Second,there are deficiencies in financial and tax support,mainly in coverage.Secondly,the legal protection of the financial rights of the poor is insufficient,including the credit guarantee,the legal protection of the financial rights of the rural population and the financial poverty alleviation assessment system.Chapter four: the improvement of the legal security system of rural financial poverty alleviation in China.First of all,establish the legal system of rural financial institutions' preferential protection,set up different access standards according to the actual situation of each place in the access standards,and build a reasonable exit mechanism in the structure setting,and improve the financial and tax subsidies.In terms of the legal supervision mechanism of financial institutions,we should reasonably set up the internal and external monitoring legal systems,and realize the combination of government supervision and industry self-discipline.In terms of the improvement of the legal guarantee mechanism for the realization of the financial rights of the rural population,it is mainly to improve the rural credit guarantee mechanism,the legal protection mechanism for the financial rights and interests of the rural poor and the rural special credit legal system.In order to improve the assessment system of financial poverty alleviation,it is necessary to reasonably match the right of financial assessment,introduce multiple assessment subjects and improve the procedure of law making.