Research On The Precise Poverty Alleviation Of Microfinance Service Of Dongan Agricultural And Commercial Bank

Since the reform and opening up,our country has carried out large-scale poverty alleviation and development work throughout the country,which has helped 700 million poor people out of poverty,but there are also some problems,such as poor classfication of poverty alleviation,poor methods of poverty alleviation,poor management of poverty alleviation and so on.In November 2013,when he studied in Jishou,Xiangxi,General Secretary Xi proposed the principle of seeking truth from facts and adjusting measures to local conditions.To take targeted measures to help people lift themselves out of poverty,avoid shouting slogans,and do not set ambitious goals.In December 2015,the Central Committee issued the "Decision of the Central Committee of the Communist Party of China on winning the fight against poverty," and put forward a package of financial support policies to support the poverty alleviation in rural areas,which provided the requirements and directions for the financial support for the accurate poverty alleviation.This paper,based on the perspective of rural commercial banks,takes Dongan County,southwest of Hunan Province as an example,with the point of accurate financial poverty alleviation as a breakthrough point,and draws lessons from the research and practice of poverty root and financial poverty alleviation both at home and abroad,and summarizes the situation of poor foundation,poor natural resources and insufficient labor force in rural poor villages in Dongan county.In particular,it is necessary to accurately grasp the practice,experience and role of the Dongan Rural Commercial Bank in recent years for the precision and poverty alleviation of microcredit services,and carefully analyze the problems in the accurate poverty alleviation of the microcredit of the Dongan Rural Commercial Bank,such as the slow growth of the deposits,the limited source of credit funds,the low rate of interest rate pricing,the high cost of poverty alleviation,the imperfect of Rural financial service system,too much administrative interference,the poor autonomy rights,the bad social credit environment,the limited risk compensation policy,the seriously lagged behind agricultural insurance,the weak industrial advantage,and the poor future development ability and so on.In view of the above problems,the paper put forward a series of methods,such as extending new transformation business,improving the degree of liberalization of interest rate,perfecting the organizational system of financial institutions,perfecting the incentive mechanism,building a good credit environment,perfecting the risk compensation fund,promoting the development of agricultural insurance,cultivating the advantageous industry and enhancing the independent development ability of the poor farmers,to help the Dongan Rural Commercial Bank to prevent and control the risk of microcredit,clarify management responsibilities,adhere to steady operation and achieve sustainable development.