Research On The Development Of Micro-Credit In Rural Areas Under The Perspective Of Targeted Poverty Alleviation

China's poverty alleviation work starts at the mid 1980 s,and achieves a brilliant accomplishment after 30 years of unremitting efforts.However,at the same time,the issues of fundamental number can not be clearly defined,inaccuracy of poverty alleviation objects,the results in the period are not remarkable and assessment and supervision mechanism are imperfect in rural area are prominent.Supports from government for farmers are improving with precision on implement policy for targeted poverty alleviation since 2013,making the efficiency enhanced greatly.Now the anti-poverty project has into the critical stage and poverty population has reduced more than 68 millions,and 8.3 million people had achieved the change of poverty alleviation and relocation,the poverty rate fell to 3.1% from 10.2% by the end of 2017.In 1993,the micro-credit poverty alleviation pattern was introduced and generalized in China,which plays an important role and reaches an outstanding results in solving farmers loans difficulty,improving the life conditions of low-income groups and accelerating targeted poverty alleviation.But the development of the rural micro-credit still faces many problems at present and the solutions of these problems will have great significance in promoting rural revitalization strategy and achieving goals of accurate poverty alleviation policy.The article aims at combination of accurate policy for poverty alleviation and development of China's current rural micro-credit,exploring rural micro-credit development issues with the economy developing requirements of rural in new period.The article analyzes the development situations and existing problems based on the basic theories of micro-credit thoroughly,regarding lack of credit system,the management level and staff quality are remained to be improved,limited sources of funds and lack of legal supervision system as the problems.Meanwhile,the paper analyzes typical cases at home and abroad and summarizes the corresponding revelations.At last,in view of the existing problems and on the basis of learning advanced experience at home and abroad this article puts forward the corresponding countermeasures under the accurate perspective for poverty alleviation,considering strengthening the construction of credit system and improving management quality,broadening the channels of funding sources,enhancing the legal supervision management system and so on.