Comparison And Selection Suggestions Of Two Financial Poverty Alleviation Models Of QD Rural Commercial Bank

Finance has always been one of the main methods for solving poverty.There are various financial poverty alleviation models in the world.But which model suits the needs of the country and region depends on the economic structure of the country and region.Since 2014,China has proposed a precise strategy for poverty alleviation since,all over the country to carry out a series of financial practices around poverty.Through summary,there are currently five representative financial poverty alleviation models in China.They are: government-led financial poverty alleviation model,financial institution-led microfinance poverty alleviation model,industrial financial poverty alleviation model,Internet and e-commerce platform financial poverty alleviation model,social poverty alleviation organization financial poverty alleviation model.The deepening of financial poverty alleviation is inseparable from the participation of financial institutions.Under China's current political and economic system,local commercial banks have an irreplaceable position and role in China's poverty alleviation cause.Among them,the inclusive microfinance poverty alleviation model and the industrial financial poverty alleviation model are the financial poverty alleviation models that financial institutions mainly participate in.The poverty alleviation effects of these two models and how to choose them are worth studying and analyzing.This article takes the example of QD's agricultural and commercial behaviors,starting from the two models of microfinance poverty alleviation model and industrial financial poverty alleviation model,and compares and analyzes it from three aspects.First,in terms of operational mechanism and poverty alleviation efficiency:microfinance model is mainly reflected in the direct effect,provide the required production and business loans directly to farmers,poverty alleviation more effective.The industrial poverty alleviation model indirectly increases the income level of rural households through employment promotion and other means,and is more sustainable.Second,in terms of business development of two modes: QD agricultural businesses finance poverty reduction mode can be summarized as "7 + 3 mode." Among them,"7" refers to 7 specific business practices in the microfinance poverty alleviation model."3" refers to the three types of business development in the industrial financial poverty alleviation model.Third,from the bank's business continuity aspects:industrial poverty alleviation loans to banks to bring operating efficiency and non-performing loan rates are better than micro-loans for poverty alleviation,the banking business more sustainable,and more should be promoted.Finally,this article gives suggestions on the selection of the financial poverty alleviation model of QD Rural Commercial Bank: an organic combination of microfinance poverty alleviation model and industrial financial poverty alleviation can be adopted.On the one hand,the industrial financial poverty alleviation model should be strengthened to ensure the long-term sustainability of the poverty alleviation effect,and at the same time,it should be inclined to local characteristic industrial poverty alleviation projects.On the other hand,we must continue to adhere to the poverty alleviation by inclusive credit and industrial poverty alleviation to stimulate the endogenous power of farmers.At the same time,this article also puts forward suggestions on the poverty alleviation work of QD Rural Commercial Bank:improve loan risk control ability to ensure its own sustainable management;establish and improve the poverty alleviation work system to ensure that the poverty alleviation effect can be implemented.