Case Analysis Of Financial Poverty Alleviation Model Of "Government And Bank Enterprise Protection" In County A

Eliminating poverty,improving people's livelihood and achieving common prosperity are the essential requirements of socialism and an important mission of our party.Winning the battle against precision poverty alleviation and realizing the poverty alleviation of the people in poverty-stricken areas is the yearning for the people's good life and the inevitable requirement for realizing the Chinese nation's great rejuvenation of the Chinese dream.Among the series of measures to ensure poverty alleviation,industrial poverty alleviation is the most fundamental way for poverty-stricken people to get rid of poverty and poverty-stricken counties.Financial poverty alleviation is closely related to industrial poverty alleviation.Its core is to provide financial support for industrial poverty alleviation,boost industrial development,and then drive the poor to poverty.County A was identified as the first batch of state-level poverty-stricken counties in 1987.In 2002,it was identified as a key county for poverty alleviation and development in the country.In 2012,it was identified as the main battlefield of “three mountains and one beach” for poverty alleviation,belonging to deep poverty-stricken counties.The Yellow River traverses the whole territory,and the flood detention area accounts for 83.4% of the total area.The task of poverty alleviation and development is heavy.In order to accelerate the pace of poverty alleviation,A County put forward a financial poverty alleviation strategy based on the specific conditions of the county,supporting the development of the real economy,supporting the financing problem,and focusing on poverty alleviation.This paper uses the field investigation method to analyze the specific situation of financial poverty alleviation in County A.From the analysis,it is found that A County adheres to the principle of “government guidance,financial support,multi-participation,risk protection,industrial development,income of poor households,cooperation and win-win”.The financial poverty alleviation model,through cooperation with Agricultural Credit Guarantee Co.,Ltd.and SME Guarantee Group Co.,Ltd.,has built a “Government + Cooperative Bank + Agricultural Enterprise(Cooperative)+ Poverty Household + Guarantee Company” five-in-one “political bank enterprise insurance” "Financial poverty alleviation model.On this basis,the operation mechanism,risk prevention mechanism and the interest linkage mechanism of the five-party “political and bank enterprise guarantee” financial poverty alleviation model are elaborated,and the risk sharing,interest link and specific operation mode are analyzed and combined.A county's specific poverty alleviation implementation situation and effectiveness of the advantages summary and problem analysis,through the analysis of his problems found that the "household households" micro-credit loan default rate is too high,not sustainable.Finally,through a complete analysis of the case,it is concluded that A County has a good short-term effect under this model,but it is not sustainable for a long time.If you want to apply financial resources to sustainable anti-poverty,you should build from rural financial ecological environment.The development of agricultural industrialization and the perspective of digital inclusive finance to develop and improve.