Research On Present Situation And Problems Of Credit Funds Delivery In "Credit Poverty Alleviation" In Luliang City Rural Credit Cooperatives

Since the 18th National Congress of the Communist Party of China(CPC),the CPC Central Committee and the State Council have attached great importance to poverty alleviation and development in an unprecedented manner.In June 2017,Xi Jinping deep into the Luliang Mountain area to study the depth of poor areas out of poverty tackling the plan,again "Luliang spirit" to concentrate on the depth of poverty.Luliang mountain gully aspect,the land is barren,living conditions are very poor,poverty alleviation industry development conditions are poor,is a typical "one side of the water and soil is not a good person" place.But also the national focus contiguous poverty areas.In order to promote the work of credit poverty alleviation and promote the economic development of poverty-stricken areas and increase the income of poor peasants,the LuLiang Rural Credit Cooperatives will be guided by the "deep farming and rural agriculture,To support the agricultural supply side of the structural reform to build a small loan "green channel" to simplify the loan application,approval procedures,the fastest speed for farmers to apply for small loans to speed up the support of Lu Liang to precision poverty alleviation industry poverty alleviation,Policy of Pratt&Whitney,easy to relocate,market operation,financial poverty alleviation and financial poverty alleviation principle in the poverty alleviation credit funds put a large part of the rural financial system is the main force of poverty alleviation.Luliang City Rural Credit Cooperatives make full use of financial aid to poverty alleviation micro-credit,poverty alleviation and re-lending,agricultural industrialization development fund to promote "five in one" poverty alleviation small loans,insurance and poverty alleviation and credit function as an opportunity to guide the credit To the poor masses,through the promotion of poverty alleviation policies,optimize performance appraisal,diversification of credit products,optimize the credit environment and other means to promote Luliang City Rural Credit Cooperatives "precision poverty alleviation" credit funds to a certain extent,the solution:"Difficult loans" problem,the lack of collateral security resources,the existing problems of landlocked products,the slow development of poverty alleviation industry,low recovery rate of credit,lack of integrity awareness,credit promotion is not in place,etc.According to the actual situation of Luliang City credit And to provide a reference for the development of poverty alleviation credit in similar conditions.The first part mainly introduces the research background and research significance.The second part mainly introduces the related concepts and theoretical basis of precision poverty alleviation and rural credit,the third part focuses on the rural credit cooperatives "precision poverty alleviation" credit funds Put forward the development of the status quo,the fourth part pointed out that the existence of credit funds,the fifth part of the countermeasures,the sixth part is the conclusion and shortcomings.