Case Study Of Financial Poverty Alleviation Loan Model Of Commercial Bank

Since the 18 th national congress of the communist party of China,the CPC central committee with comrade Xi Jinping at its core has made poverty alleviation a priority in governance.At the 19 th national congress of the communist party of China(CPC),the national financial work conference of the past two years and the central economic work conference of the communist party of China(CPC),we must resolutely fight against poverty as one of the three major battles to win the battle to build a moderately prosperous society in all respects.As an important participant in financial poverty alleviation,commercial Banks play a crucial role in poverty alleviation,however,Commercial Banks have to safety,liquidity and profitability as the operating principles,its essence is the profit as the goal,in the face of such prominent problems as the poor group's lack of awareness of integrity,the high default rate of poverty alleviation loans,and the large risk of loan losses,how should commercial Banks,on the premise of ensuring their own healthy and sustainable development,do a good job in financial targeted poverty alleviation and play a good role in the crucial battle of financial poverty alleviation? It's worth every one of us in finance.This paper,firstly,the literature review method is used to sort out the research status of poverty concept and financial poverty alleviation at home and abroad,and the research status is reviewed and analyzed,which lays a theoretical foundation for this research,and defines the focus and direction of this research.Secondly,Y commercial Banks,for example,using the survey method,the Y innovation of commercial Banks under the condition of different internal and external background introduced three different financial poverty alleviation loans make in-depth investigation and study,using statistical analysis method,different modes of financial poverty alleviation loans to launch research background,poverty alleviation,the loan risk and bank profits,and the most representative in three different poverty alleviation mode of loans to households,for example,each kind of model of poverty alleviation of the specific study ways and poverty alleviation.Then,the comparative analysis method is adopted to combine the investigation situation with the existing data of bank Y,and conduct in-depth research and analysis on the three financial poverty alleviation loan models of commercial bank Y from the perspectives of value orientation,poverty alleviation effect,loan risk and social effect.Finally,based on the summary and analysis of the financial poverty alleviation loan model of Y bank,the main conclusions and related problems are drawn,and the relevant countermeasures and Suggestions are put forward for the sustainable development of targeted poverty alleviation in Y commercial bank,and looks into the future.According to the above ideas,the paper is divided into 5 chapters.The first chapter is the introduction,mainly introduces the research background and significance,research ideas and contents,and points out the innovation points.The second chapter is literature review research and case analysis framework construction,mainly on the domestic and foreign poverty concepts,the status quo of financial poverty alleviation,and according to the combing situation,the construction of a case analysis framework.The third chapter is a brief introduction of the financial poverty alleviation background and poverty alleviation loan mode of Y commercial bank in G city.It mainly analyzes and introduces the external background of Y commercial bank,that is,the basic situation of G city.The fourth chapter to Y commercial bank financial loans for poverty alleviation mode case analysis,respectively for Y introduced three kinds of loans for poverty alleviation mode of commercial bank,poverty alleviation,bank of loan risk and benefit are analyzed,the three kinds of financial loans for poverty alleviation mode value orientation,poverty alleviation,loan risk,and compares the social effect of surface analysis,summary analysis to research the main conclusion and related problems,and the commercial bank financial Y precision poverty alleviation work puts forward relevant countermeasures and Suggestions: the first is to strengthen internal and external communication and coordination,improve the precision of financial poverty alleviation,ensure financial poverty alleviation;the second is to improve the risk prevention and control mechanism,to ensure the financial sustainability of poverty alleviation;the third is to continuously optimize innovation loan products,strengthen the operation and management of poverty alleviation loans;the fourth is to strengthen policy propaganda and guidance,and create a good environment for financial credit for poverty alleviation.The fifth chapter is the conclusion,which summarizes the whole paper,points out the shortcomings of this research,and looks forward to the future.