Analysis On The Supply And Demand Of Small Loans From The Perspective Of Targeted Poverty Alleviation

Rural poverty alleviation has always been the focus of the party and the state.In 2013,the party and the state formally put forward the concept of targeted poverty alleviation,which has further guidance.In the targeted poverty alleviation,microfinance is an effective financial poverty alleviation path,and plays a very critical role in the process of targeted poverty alleviation.Under the encouragement and support of national policies,commercial banks,especially rural commercial banks,have carried out a series of small loan poverty alleviation work,which has also received certain results.However,no matter from the feedback of the bank level or the investigation of the farmers level,we find that there are a series of problems in the poverty alleviation work of small loans.The bank is not active in promoting,dare not lend,poor farmers are not active,unwilling to lend.Through the special poverty alleviation effect research,it is also found that whether from the bank level feedback,or from the farmer level research,the recognition level of microfinance poverty alleviation is not high.In view of this,this paper conducts a systematic study on the small and medium-sized loans for poverty alleviation from the perspectives of credit line,supply and credit cost.This paper finds that the problem of micro loan poverty alleviation in financial poverty alleviation is essentially the conflict and tension between the supply of micro loan by banks and other loan institutions and the demand of poor farmers for micro loan.From the bank's perspective,the bank's interest maximization considerations make the bank prefer groups with higher credit rating when selecting loan objects,and the coverage of loans cannot reach groups with real credit demand in depth;on the other hand,the business concept and credit channel preferences of poor farmers have not been reversed,and there are still a large number of alternatives such as private loans As a result,the demand for small loans is suppressed and cannot generate effective demand.Two factors,resulting in the effect of small loans to reduce poverty.With the help of incomplete information dynamic game analysis method,this paper makes a systematic research and Analysis on the causes of the above problems,starting from the aspects of eliminating information asymmetry,promoting the reduction of business risk,and making a targeted response with the help of the mechanism of credit target targeting,risk management and control,and the role of sharing.In this way,the availability of small loans is enhanced,aiming at increasing Taking income plus and risk reduction as the whole analysis framework,this paper makes an attempt at the relationship between microfinance risk and income balance from the perspectives of asset securitization,risk sharing,information sharing,punishment and incentive,and gives the corresponding policy countermeasures.