Research On Chen Zhou City Rural Credit Cooperatives' Poverty Alleviation Microfinance Risk Management

2018 is the fifth year since the concept of precision poverty alleviation was brought up.With the deepening of financial precision poverty alleviation,in 2015,the rural credit cooperatives in Chenzhou began to start the poverty alleviation micro-loan.In 2016,the Hunan Rural Credit Cooperatives Union issued the notice on further regulating the management of poverty alleviation loans.By the end of 2017,the poverty alleviation microfinance loan scale exceeded 1 billion yuan,effectively solving the problem of the supply bottlenecks for rural households within the jurisdiction,and promoted poverty-stricken farmers to get out of poverty.However,if financial credit and poverty alleviation are not in place,it is easy to cause credit risk accumulation and increase of non-performing loans.In this context,to strengthen the attention and research on the credit risk of this type of policy can avoid the emergence of“ant eating elephants”and promote the steady operation and development of rural credit cooperatives.This article under the perspective of financial precision poverty alleviation,innovates research on the risk management of microfinance business,and makes the research direction more specific and more targeted.In terms of research ideas,based on summarizing the theory of poverty-relief microfinance risk management,this paper fully utilizes analysis methods such as literature analysis,comparative analysis,investigation and research,and comprehensively expounds the concepts,types,and development models of poverty alleviation microfinance.In the literature and comparative analysis,the paper draws lessons from the experience of foreign typical models and their inspiration to China.In the process of practical investigation,a questionnaire survey was used to combine theory with practice.Take Chenzhou City Rural Credit Cooperative Poverty Alleviation Microcredit Practice as an example to investigate and research the risk identification,measurement,and management of microfinance risk management in poverty alleviation.In respect of such issues,the focus is on risk issues in the process of risk compensation and financial interest discounts,credit injection and risk management,and the behaviors of underwriting entities and operators.Combined with the feedback from the questionnaires on the needs of rural households and the credit risk management of rural credit cooperatives,we will study the measures for the sustainable development of microfinance for poverty alleviation.Focusing on the risk issues reflected in the practical implementation of the poverty alleviation microcredit of Chenzhou City Rural Credit Cooperative,the reasons for its risks were explored.Finally,strengthening the management of poverty alleviation of microfinance risks requires strengthening the management of capital risks and accelerating the construction of the rural credit system.To maximize the policy,economic,and social effects of poverty alleviation,it is necessary to strengthen internal management,improve supporting policies,and exert local government risk control and control,etc.,The micro-finance business of poverty alleviation in Chenzhou City was developed earlier.This article studies the risk management issues encountered in the business start-up process.It has universal applicability and positive practical significance.Its experience has certain impact on poverty alleviation development and credit risk management at home and abroad as well as practical reference value.