A Study On The Effect And Satisfaction Of The Financial Poverty Alleviation Model Of "Government-Bearing Bank-Enterprise Households"

Since 2013,our government has implemented the precise poverty alleviation strategy in an all-round way,resolutely tackled the tough battle of poverty alleviation,helped the poor groups improve their living standards and get rich from poverty.Finance is the core of modern economic development and plays an important role in poverty alleviation.Even though there are many ways of financial poverty alleviation nowadays,there are few studies on the innovative financial poverty alleviation method of "government-funded banks and enterprises".Whether the pilot work can be popularized nationwide still lacks realistic basis,so it is very important to study the effect and satisfaction of the financial poverty alleviation loan of "government-funded banks and enterprises" at present.Firstly,this paper introduces the poverty situation in Cangxi County(rural poverty population,poverty alleviation fund demand)and the current situation of financial poverty alleviation(policies,products and methods,poor households' file establishment and credit rating)by using relevant indicators and data.Secondly,it analyses the problems of inaccuracy and unsustainability of financial poverty alleviation in Cangxi County,such as the construction of financial poverty alleviation system and ecological environment.From the perspectives of improvement and innovation of financial products and services,this paper explores the underlying causes of Cangxi's financial poverty alleviation.Aiming at Cangxi County's innovative financial poverty alleviation model,the practice and satisfaction of "government-owned bank-enterprise household" loans,first of all,through interviews to understand Cangxi County to carry out "government-owned bank-enterprise household" financial poverty alleviation loansof various financial institutions working status(capital operation).Then,using the methods of questionnaire survey and case study,the satisfaction of loan demanders(farmers,new business entities)is analyzed from the perspective of capital satisfaction and employee satisfaction.Using binary logistic regression model,this paper analyses the influencing factors of financial poverty alleviation loan satisfaction from the perspective of poor households,and provides factual and theoretical basis for its promotion in the whole country.From the point of view of farmers and operators,this paper argues that the introduction of the financial poverty alleviation loan policy of "government-funded banks and enterprises" broadens the financing channels of farmers,reduces the market threshold and cost of farmers' using credit funds,optimizes the financial poverty alleviation loan process,and plays a decisive role in improving the living standards of farmers,healthy development of rural financial markets and agricultural modernization construction.Effect.But at the same time,the financial poverty alleviation loan of "government-owned bank and enterprise households" has increased the asset-liability ratio of farmers,increased the leverage level of their credit funds,and increased the risk of credit default.This needs to guide farmers to rationally orientate their management ability and income level so as to make appropriate financing.From the perspective of poor households,family production type,time to participate in policies,alleviating fund shortage,enhancing labor skills and improving the efficiency of financial funds are important factors affecting the satisfaction of poor households with financial poverty alleviation loans;gender,age,cultural level,the number of household labor force,the total number of borrowings in the past three years,and raising business awareness are important factors affecting poor households' satisfaction with "government".There is no significant impact on the satisfaction of financial poverty alleviation loans of enterprises and households with banks.Finally,this paper puts forward some countermeasures and suggestions on how to strengthen and improve Cangxi's financial poverty alleviation from the aspects of improving the financial development environment of the government,implementing macro-prudential supervision by the supervisory authorities,innovating the products and services of financial institutions,improving the market competitiveness of farmers and new business entities,and improving the ability of "hematopoiesis" of poor households.It is hoped that these suggestions can help Cangxi's poverty-stricken people get out of poverty and promote Fang's economy has achieved sound and rapid development.