A Study On The Legal Regulation Of Micro Credit Risk In Rural Poveity Alleviation In China

At the 19 th National Congress of the Communist Party of China,it was made clear that precision poverty alleviation was one of the three key battles that must be fought to win the decisive victory of building a moderately prosperous society in an all-round way.In order to ensure that the poor people get out of poverty smoothly,local governments have successively introduced rural poverty alleviation micro credit policies.Rural poverty alleviation micro credit is a kind of credit business product that provides special financial services for the poor households of low and middle-income groups in rural areas.On the one hand,it can adjust and improve the problem of insufficient development ability of rural poor households.On the other hand,it can effectively enhance the development willingness of rural poor households and awaken their development willingness of self-reliance.This helps to eliminate poverty at its root.But it is precisely because of the difference between rural poverty alleviation micro credit and micro credit that there are some problems in the development of rural poverty alleviation micro credit,leading to the high risk of rural poverty alleviation micro credit.This paper studies the current rural micro credit system for poverty alleviation,analyzes its development process,and analyzes the legal status and defects of the system.At the same time,the study seriously discusses the necessity of improving the legal system of rural poverty alleviation microfinance risk in China,and according to the experience of foreign rural poverty alleviation microfinance risk legal system,in-depth discussion of the construction of rural poverty alleviation microfinance risk legal system in China,so as to effectively provide a solid theoretical basis for the improvement of rural poverty alleviation microfinance risk legal system.In addition,the study is of great significance to promote the construction of the legal system of micro credit risk in rural poverty alleviation,the implementation of poverty alleviation strategy and the effective promotion of rural financial innovation,to enhance the ability of poverty-stricken areas to get rid of poverty,to speed up the poverty-stricken people to get rid of poverty and to build a small and healthy society in poverty-stricken areas,and to promote the integrated development of urban and rural areas.This paper reviews the construction process and current situation of rural micro credit for poverty alleviation,and summarizes the legal regulation problems of rural micro credit for poverty alleviation.The author uses the legal regulation experience of the United States,Indonesia,and Bolivia in financial poverty alleviation,in order to respond to the precise poverty alleviation policies put forward by the Party Central Committee,realizes the construction of a well-off society in rural areas,and provides suggestions for improving the legal risk of micro-credit in rural rural poverty alleviation.This paper will conduct research through five parts: The first part is the introduction of this paper,which mainly explains the background of the topic selection,researchpurpose,research methods and significance of this paper,and expands the legal mechanism of micro-credit risk in poverty alleviation in rural areas of various countries.Further analysis;the second part mainly discusses the existing rural poverty alleviation micro-finance risk system and related theories,and studies the basic connotation and main components;the third part is the status quo and problems of the legal regulation of rural poverty-stricken microfinance risk in China,from the development of the legal regulation of rural poverty-stricken microfinance risk in China to the status quo analysis,and finally put forward the problems;the fourth part is the foreign rural poverty-stricken microfinance risk legal regulation Based on the experience and Enlightenment of legal regulation,this paper puts forward the Enlightenment of the research on the modern risk legal regulation of rural poverty alleviation in China through the extension of the legal regulation experience of the United States,Indonesia and Bolivia;the fifth part is the Countermeasures for the improvement of the legal regulation of rural poverty alleviation in China,which first expounds the basic principles of improvement,abstracts the key points of the legal regulation,and then paves the way Put forward the specific countermeasures to improve the legal regulation of rural poverty alleviation micro credit risk.