Study On The Financial Poverty Alleviation Mechanism Of "Preferential Loan" In Guizhou Province

Under the background of inclusive financial development,due to the complexity of poverty in poverty-stricken areas and the diversity of causes of poverty,income poverty and non-income poverty are intertwined.Peasant household poverty and regional poverty are symbiotic.It is difficult for financial poverty alleviation to cover poor households in remote mountain areas.Therefore,in order to achieve accurate poverty alleviation in poverty-stricken areas,we should vigorously develop preferential finance that meets the characteristics of poverty alleviation in deep poverty areas.Under the background of the GuiZHou Province's precision poverty alleviation strategy,in order to bring the source of financial support to poverty alleviation,the provincial government has vigorously promoted “expensive loans” to help the poor and help impoverished farmers to “change for the poor”.Exogenous promotion and endogenous development are important mechanisms for poverty alleviation.Since the precision poverty alleviation has been promoted strongly,the overall characteristics of China's poverty alleviation and development mechanisms are driven by exogenous giants to promote endogenous development,exogenous promotion plays an important role,and endogenous development is relatively weak.The future will inevitably present “inside and outside convergence” innovation trends.The mechanism to improve the effectiveness and degree of innovation depends on the externally-driven sustainable capacity,external supply-side structural reforms on the supply side,endogenous development capabilities in the poverty-stricken areas,and external sources and technological measures and implementation strategies for internal development.Other constraints.From the micro level,through the study of poverty alleviation mechanisms in poverty-stricken areas,we have found the reasons that hinder the rational operation of the financial poverty alleviation mechanism,improved the financial poverty alleviation mechanism,achieved a balance between efficiency and fairness,and turned the external thrust of financial poverty alleviationinto economic growth.Endogenously motivated and solve the problem of poor property rights of poor rural households in poverty-stricken areas,improve the ability of poor farmers to self-development,and ultimately form a financial-poverty investment-improved rural households to improve their ability to develop-value preservation and value-added financial resources-a virtuous cycle of financial resources to re-enter the mechanism.From the perspective of the "expensive loan" financial poverty alleviation mechanism,the article takes poverty and anti-poverty property rights theory,rights poverty theory and other relevant theories as research foundations,and studies GuiZHou Province's "Excessive Loan" financial poverty alleviation mechanism.The main content of the article research is divided into four parts: The first part introduces the relevant theories used in the article research and defines related concepts,and establishes the theoretical analysis framework of the article;the second part introduces the background and development status of the research subject.This paper analyzes the elements of financial poverty alleviation in GuiZHou Province.These include: "Extraordinary Loan" background,"expensive loan" development,GuiZHou Province,"Excessive Loans" financial poverty alleviation of the four major components of the analysis;The third part,from the perspective of financial poverty alleviation mechanism,the use of relevant theory on "special The “finance”mechanism of financial poverty alleviation drive mechanism,factor allocation mechanism,organization coordination mechanism and risk prevention and control mechanism,and GuiZHou Province's financial poverty alleviation practices conducted in-depth analysis,and found problems and practical experience in the“expensive loans” financial poverty alleviation mechanism;In the fourth part,based on the analysis and summary of the issues,the GuiZHou province's “Excessive Loan”financial poverty alleviation mechanism has been improved.