Research On The Model Of Financial Poverty Alleviation And The Effect Of Poverty Reduction

Poverty alleviation is the common responsibility of the whole society,and financial support will be essential to complete the building of a moderately prosperous society in all respects by 2020.Finance is to realize the improvement of the efficiency of financing and the use of funds through the trans-time and trans-regional mobilization of funds.As the focus of poverty alleviation and the focus of financial research,financial poverty alleviation is an effective allocation of funds under the guidance of policies.Usually by credit,insurance and other financial activities to provide the funds safeguard of poverty reduction activity,to attain the goal of increasing the income of the people in poverty-stricken areas,the focus is to different demand for credit and financial products.The research contents of this paper are as follows :(1)to study the related research of financial development and poverty reduction,financial poverty alleviation model and effect,financial poverty alleviation practice and its path optimization research.The concept of poverty,financial poverty alleviation and financial poverty alleviation is defined.The theory of financial poverty alleviation is sorted out.This paper summarizes the typical pattern of international financial poverty alleviation and the exploration of China's financial poverty alleviation.This paper analyzes the poverty situation and causes of poverty in shaanxi province and summarizes the policies and practices of poverty alleviation in shaanxi.(2)from the financial subject,the financial poverty alleviation mode of shaanxi banking system,insurance department and other financial institutions was analyzed.In the discussion of the model of poverty alleviation in the bank,according to the nature of the bank,the central bank,policy Banks,commercial Banks and rural small and medium-sized Banks were discussed.Other financial institutions include guarantee agencies,securities institutions,futures and trust institutions.The paper also discusses how to reduce the income of the bank.It also analyzes the mechanism of financial poverty alleviation and compares various poverty alleviation modes.(3)this paper selects the county panel data of shaanxi from 2010 to 2017,and USES the fixed effect model to measure the poverty alleviation effect of financial poverty alleviation.The indicators of financial poverty alleviation are measured by the level of financial lending,financial efficiency and financial scale.The results show that financial credit has a significant positive effect on poverty alleviation.Financial scale and financial efficiency have no obvious effect on the poverty alleviation in shaanxi province,and have a nonlinear relationship with poverty alleviation.Based on this,this paper puts forward the following policy Suggestions: to regulate the rights and responsibilities of various financial institutions in the financial poverty alleviation,and to establish a better financial poverty alleviation system;To strengthen the construction of credit system in poverty-stricken areas,the construction of grassroots financial institutions and the construction of financial knowledge of poor households to promote the virtuous circle of financial poverty alleviation;Actively developing the development finance to make up the market failure in the financial poverty alleviation;We will improve financial risk prevention and control measures to prevent all kinds of risks in financial poverty alleviation.