Research Report On Financial Inclusion Support For Targeted Poverty Alleviation In S County

Targeted poverty alleviation is a poverty control model that USES scientific and effective procedures to accurately identify,assist and manage the poor in accordance with different poor areas and farmers.Targeted poverty alleviation is an important guarantee for the building of a moderately prosperous society in all respects and the great rejuvenation of the Chinese nation.The service purpose of inclusive finance is to provide low-cost and sustainable financial services for low-income people.Its service objects and service concepts are inherently consistent with targeted poverty alleviation,which can effectively support the in-depth development of targeted poverty alleviation through credit services,agricultural insurance and other approaches.Located in the southern part of the eastern henan plain,S county is one of the pilot counties of inclusive finance in henan province.It is the key county of poverty alleviation in dabie mountain area,a contiguous area with special difficulties,and a typical county to carry out inclusive finance and targeted poverty alleviation.In-depth research on the financial inclusion support for targeted poverty alleviation in S county has the following practical values: first,to promote the reduction of absolute poverty population in S county and the effective implementation of targeted poverty alleviation work,so as to improve the quality and stability of poverty alleviation;The second is to provide reference for the later period of financial inclusion in S county to support the cracking of the relative poverty in the jurisdiction;Third,it will help S county build a moderately prosperous society in all respects.Firstly,this paper expounds the current situation of the development of inclusive finance in S county,the current policies of supporting targeted poverty alleviation by inclusive finance,and the major poverty alleviation modes.Secondly,through questionnaire survey and interview survey,the following problems are still found in the targeted poverty alleviation work supported by inclusive finance in S county.Second,"financial institutions + poor households" fund poverty alleviation channels are not smooth;Third,the imbalanced development of inclusive finance;Fourth,thefinancial poverty alleviation "intermediary" ability to bring poverty is weak;Fifth,financial institutions are not highly motivated to carry out financial poverty alleviation.The reasons are as follows: first,the poor households are old and have low educational level;Second,the lack of industrial poverty alleviation leading enterprises;Thirdly,the construction cost of inclusive financial service station is high and the management is difficult.Fourth,the poverty alleviation loan "cost performance" is low.Based on this,the article puts forward the following countermeasures and Suggestions: first,more measures to strengthen the endogenous capacity of the poor households themselves out of poverty;Second,rely on industrial poverty alleviation enterprises to improve the effectiveness of financial poverty alleviation;Third,enhance the enthusiasm of financial institutions for poverty alleviation;Fourth,improve supporting measures to support targeted poverty alleviation through financial inclusion.