Study On The Current Situation,Problems And Countermeasures Of Poverty Alleviation Loan Of X County Rural Credit Cooperative In Qingyang City

Poverty alleviation is an arduous task for the Chinese government.By the end of 2018,there were still 16.6 million rural poor in China,but the poverty problem was very prominent in inland rural areas and plateau deserts with inconvenient transportation.X County,Qingyang City,Gansu Province is located in the contiguous poverty-stricken area of the country.Since the implementation of precision poverty alleviation,all financial institutions in the area have actively participated in poverty alleviation work and adopted corresponding methods for financial poverty alleviation.Especially for rural credit cooperatives widely distributed in rural poverty-stricken areas,the role played by rural financial poverty alleviation is unmatched by other financial institutions.This paper investigates the poverty alleviation work practice of X County Credit Union in Qingyang City,and analyzes the basic situation of the progress of financial poverty alleviation in X County Credit Cooperatives.It also uses the questionnaire for the poor farmers who have loaned poverty alleviation loans in X County Credit Union.Ways to understand the poverty alleviation of poverty alleviation loans.The survey found that the X County Rural Credit Cooperative Financial Poverty Alleviation Loan has played a significant role in promoting the poverty alleviation and economic development of the poverty-stricken households in X County.In particular,the poverty alleviation loans of X County Rural Credit Cooperatives have achieved remarkable results in the development of rural industries and the increase in income of poor households.At the same time,it was also found that the information sharing of the poverty alleviation loans of X County Rural Credit Cooperatives was not timely,the poverty alleviation loan policy and actual demand did not match,and the risk compensation mechanism was not perfect.In the future work,it is recommended that the rural credit cooperatives establish an information sharing mechanism for poverty alleviation of rural credit cooperatives,improve the accuracy of poverty alleviation loans for poor households,improve the agricultural insurance system,etc.,and continuously improve the effectiveness of poverty alleviation loans for poverty alleviation in X County.Work has a better development to make due contributions.This paper can be divided into five parts: The first part is the introduction,which discusses the research background and significance,related theories,literature review,research content and methods,as well as innovations and deficiencies.The second part analyzes the economic development status and poverty alleviation progress of X County in Qingyang City and introduces the current situation of financial poverty alleviation in X County Rural Credit Cooperative.The third part is the investigation and analysis of the poverty alleviation loan object of X County Rural Credit Cooperative in Qingyang City.The fourth part is a summary of the problems of the poverty alleviation loan work of X County Rural Credit Cooperatives.The fifth part gives reasonable and feasible countermeasures and suggestions on how to better play the role of the rural credit cooperative poverty alleviation loan business based on the questions raised above.