Performance Evaluation Of Poverty Alleviation Microfinance In Minority Areas

Poverty alleviation micro-credit loans,as the main means of financially targeted poverty alleviation,are of great significance to the cause of poverty alleviation.Unlike relief-type "blood transfusion and poverty alleviation",the purpose of poverty alleviation micro-credit loans is to cultivate the "self-blood-making" function of poor households.Jianshi Rural Commercial Bank undertook three-quarters of the task of granting micro-credit loans for poverty alleviation within the jurisdiction of Jianshi County.Evaluation and research on its implementation effect is to effectively test the results of financial poverty alleviation in the early stage of Jianshi County and whether it can be successfully achieved from poverty alleviation to rural revitalization in the later period The important content of the transition.Based on the perspective of rural commercial banks,this article takes Jianshi Rural Commercial Bank's poverty alleviation microfinance as the research object,selects 6 representative townships of poor loan customers in Jianshi County to conduct field research,and integrates the interests of poor households,banks,enterprises and governments.The main body builds a multi-dimensional poverty reduction comprehensive indicator system of Jianshi Rural Commercial Bank from four aspects of organizational management,capital efficiency,capital efficiency,and sustainability impact,and examines the performance of Jianshi Rural Commercial Bank's poverty alleviation micro-credit loan to reflect Jianshi County Finance.The effectiveness of poverty alleviation.In this paper,the "entropy method" is used to weight 16 sub-indicators.The objective weighting method is used to determine the weights of the indicators.At the same time,the fuzzy comprehensive evaluation method is used to evaluate the performance of the research objects.The evaluation results show that: the organization management index score It is 92.62,the score of the capital efficiency index is 91.85,the score of the capital effect index is 87.41,the score of the sustainability impact index is 88.85,and the final overall score is 88.53.Judging from the evaluation results,during the process of implementing micro-credit loans for poverty alleviation,Jianshi Rural Commercial Bank has transparent organizational procedures and management in place,and has high recognition and satisfaction of poor households;high capital efficiency and timely loan disbursement.The cycle from loan application to issuance is short,the loan obtaining rate is high,and almost all of them are invested in production and operation activities;the issuance of small credit loans for poverty alleviation has played a certain role in promoting income growth of poor households,enterprises and banks,but compared with For several other indicators,the funding effect is not very satisfactory.Similarly,compared with other indicators,the sustainability impact indicator score is relatively low.Although affected by policies,the growth rate of A-level private and small and micro enterprises is high,but due to the effect of income increase The gap,poor credit awareness of poor households,and poor recovery rate of poor loans have lowered the overall score of this indicator,and its sustainable development potential still has greater room for improvement.Finally,this article puts forward suggestions: establish an incentive mechanism for financial poverty alleviation to ensure the best allocation of supply and demand;innovate financial service products and improve financial hardware facilities;improve the risk prevention mechanism and improve the ability to resist risks;broaden the channels of financial knowledge promotion and improve the financial literacy of poor households In order to improve the performance of Jianshi Rural Commercial Bank's poverty alleviation micro-credit loans.