Research On The Long-term Mechanism Construction And Model Innovation Of Rural Financial Poverty Alleviation

The "Thirteenth Five-Year Plan for Poverty Alleviation" clearly states that as of 2020,under the current Chinese standards,we will achieve the goal of poverty alleviation for the rural poor and the removal of all hats in poor counties.The important role of financial support for poverty alleviation will be emphasized,and various types of finance will be encouraged and guided.Institutions increase financial support for poverty alleviation and development.The policy documents of TS city also emphasize the need to change the use of policy funds in poverty alleviation work,play the role of fiscal funds to stimulate credit funds,and form a synergy between financial funds and policy funds.As of the beginning of 2016,there are still 464 poverty-stricken villages in the city of TS,with a total of 142500 poor people.The quality of poor households is poor.The poverty-stricken areas are diversified and the cost of poverty alleviation is high.At this stage,the financial poverty alleviation method of TS city is mainly based on the distribution of discount loans.Although it can drive some poor households out of poverty in the short term and achieve certain results,in the long run,the “transfusion-type” poverty alleviation characterized by government financial funds is the most important.The poverty alleviation results achieved by the model are not reliable,and the risk of returning to poverty still exists.Therefore,the existing single financial poverty alleviation model cannot fundamentally solve the poverty problem.Based on the above background,according to the relevant theories of economics and finance,this paper takes the poverty-stricken areas in six counties and cities of TS as the research object,and studies the financial poverty alleviation work of TS city.Firstly,this paper sorts out policies and literature related to financial poverty alleviation,we understand the current situation of domestic and foreign research and related basic theories;secondly,through field research,we understand the current situation of financial poverty alleviation in TS,and summarize the main measures and typical models of financial poverty alleviation;Thirdly,a questionnaire survey was conducted among 374 poor households in TS city.Logistic model was used to analyze the availability and influencing factors of credit demand of poor households in financial poverty alleviation.The DEA model and Malmquist model were used to provide financial poverty alleviation providers.The credit supply efficiency and influencing factors were analyzed.According to the above two empirical conclusions and combined with the actual situation of poverty-stricken areas,it was found that the financial poverty alleviation work in TS city has a single use channel of financial funds,the financial poverty alleviation system is not perfect,the credit supply efficiency of financial institutions is low and poor households have low availability of credit demand,and the current financial poverty alleviation work pays attention to the short-term poverty alleviation effect,ignoring the endogenous development dynamics of poverty-stricken areas and the long-term sustainability of poverty alleviation mechanisms.Fourthly,according to the above analysis,from the perspective of long-term development,the paper puts forward the solution to the problem,that is,we should construct a long-term financial poverty alleviation mechanism from four aspects and put forward two new financial poverty alleviation models.We hope to provide some reference value for improving the efficiency of financial poverty alleviation and stabilizing the achievements of financial poverty alleviation in TS city,and provide enlightenment and reference for relevant research.