Research On The Availability Of Microfinance In Financial Poverty Alleviation

As a financial service brand and effective means of precision poverty alleviation,microfinance plays an important role in the financial industry's participation in poverty alleviation.With the deepening and development of inclusive finance,the issue of microfinance availability has become the focus of our attention.Based on the analysis of the current situation of microfinance in the field of financial poverty alleviation from the three aspects of credit scale,supply demand and credit cost,the problem of the availability of financial poverty alleviation microfinance is attributed to “low availability of microfinance”,which is reflected in Two aspects: the implementation of poverty alleviation policies is difficult,the credit target is aimed at offset,the high credit poor households who really need credit funds are difficult to obtain financial support,resulting in inefficient allocation of poverty alleviation funds,low availability of microfinance;and profitable financial institutions There is strong financial exclusion and credit rationing,and the enthusiasm for carrying out microfinance business is low.Credit supply is difficult to meet demand and the availability of microfinance is reduced.Through the incomplete information dynamic game model,the article explores the root causes of these problems,and believes that under the condition of information asymmetry,adverse selection and moral hazard problems lead to credit rationing,microfinance business risk and return imbalance,showing high risk.Low-yield characteristics.In the process of poverty alleviation,the microfinance business has led to strong financial exclusion of financial institutions,poor credit supply and low poverty alleviation.In the aspect of alleviating the degree of information asymmetry and reducing the operational risk,the “Lushi model” is taken as an example,and the problems of credit target targeting mechanism,risk prevention and control and sharing mechanism are tried and solved objectively.evaluation of.Through the analysis and improvement of the "Lushi model",it is proposed to use the microfinance asset securitization to solve the problem of poor liquidity of microfinance funds and low profits,and to improve the efficiency of capital operation and the enthusiasm of credit supply.Finally,with the core of improving the availability of microfinance,the overall idea of reducing risk and increasing profit is to propose a microfinance risk and return equilibrium mechanism in information sharing,risk sharing,asset securitization and punishment and incentive.The idea and put forward targeted policy recommendations.