| Since the reform and opening-up,China has always been committed to improving the economy of poverty-stricken areas,reducing the number of rural poor population,which made good achievements.But at the end of 2016,there also have 43.35 million people in China's rural poor population.Thus poverty alleviation work has a long way to go.Therefore,in response to the new era of poverty alleviation work,the CPC Central Committee put forward the "precise poverty alleviation" concept,try to through accurate identification,accurate help,precise management,promoting "precise poverty alleviation",we can achieve coordinated and sharing development strategy.On March 5,2017,while the government work report,Premier Li Keqiang proposed that we should improve infrastructure construction,improve public service capacity,develop poverty-stricken areas of special industries and format a new coordination mechanism for poverty alleviation to promote "precise poverty alleviation" work continued to carry out in depth.During the two sessions of the National People's Congress in 2017,General Secretary Xi Jinping said that poverty alleviation work should be close to reality,the whole process should be accurate and establish a stable poverty alleviation long-term mechanism.However,there are still many problems in rural finance during the implementation of"precise poverty alleviation" work.In the aspect of network operating costs,high cost reduces the enthusiasm of the supply of services and commercial sustainability,which hinders the realization of inclusive finance and " precise poverty alleviation".In the aspect of financing channels,the total amount of basic deposits of Internet branch is low and the absorption of deposits is not enough to support the needs of farmers,which results in insufficient funding for agricultural funds.In the aspect of marketization,the government demands that rural financial institutions should adopt differentiated interest rate concessions in the process of implementing precise poverty alleviation,but when the institutions can't effectively grasp the credit demand side information,the credit threshold will be raised,making that poor households can't enjoy the same financial services and it is difficult to balance the contradiction between paucity and commercial.In the aspect of product and service,a high degree of homogeneity results in that it is vulnerable to alternative products and services.In the aspect of technology level and the quality of personnel,the overall application rate of Internet technology is low,and we lack complex talents who are good at modern network of high-tech and new technology.As a result,it is worth studying and discussing how to use the new Internet technology and innovate the rural financial "precise poverty alleviation" model to improve the efficiency of poverty alleviation.In view of this,this paper uses historical analysis method,theoretical analysis method,comparative analysis method,logical analysis method,and case analysis method,to study the present situation and problems of "precise poverty alleviation" of rural finance in Fujian province.We propose plans on the basis of drawing lessons from the advanced experience of poverty alleviation in other regions and thinking about the role of Internet finance in "precise poverty alleviation" for the purpose to innovate Fujian rural finance "precise poverty alleviation"model.This paper essay that internet injects new ideas,new technologies,and new channels to the rural finance "precise poverty work" model.The rural financial institutions should launch financial innovation,optimize and broaden channels,innovate information technology and enhance human resources,to promote "precision poverty alleviation" with the development of inclusive finance,low cost and high efficiency,and deepen the "precise poverty alleviation" with"Internet + big data" and fundamentally drive "precision poverty alleviation".At the same time,to lead and protect the "precision poverty alleviation",under the guidance of policy innovation. |
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