A County Rural Commercial Bank To Carry Out "Industrial Poverty Alleviation Credit" Business Investigation And Analysis

The year 2020 will be a crucial year.On the one hand,targeted poverty alleviation will enter the end stage;on the other hand,it will be the beginning year for narrowing the gap between urban and rural areas,achieving common prosperity and resolutely implementing the rural revitalization strategy by 2020-2035.Finance,as the core of the modern economy,is an economic bond connecting all sectors of society.It plays an important role in regulating and allocating resources and funds.Greater efforts should be made to ensure that all the poor people in rural areas are lifted out of poverty and provide funds for the implementation of the rural revitalization strategy.However,on the one hand,due to the natural risks of agriculture,market risks and other uncertain factors,rural finance is highly risky.On the other hand,due to the commercial and profit-driven nature of financial institutions,financial support is difficult to penetrate into rural areas,especially poor rural areas.In order to explore how financial support should go deep into rural areas,especially poor rural areas.I conducted field research on County A,which used to be A poor agricultural county.On April 28,2019,the Poverty Relief Office of Jiangxi Province instructed County A to remove its cap.Via credit for poverty alleviation "with" industry as the research object,found via credit "" industry and poverty alleviation loan to drive the lower end of the new type of rural market main body,through the line of credit with the new farm operators to drive the poor quantity,realize the poor connection with the new rural market operators,the new choice to provide poor out of poverty,new direction,and the development of rural industry,to the countryside " blood ",promote the industry and the financial effective fusion for poverty alleviation,innovation and development for poverty alleviation microfinance operations;At the same time,loans to poor households and poor marginal households for their development income to provide financial security.Because of this,the business of "Industrial poverty Alleviation credit Link" is of typical significance in the current targeted poverty alleviation and rural revitalization,and has more reference and guiding significance for rural finance to do practical and excellent support for agriculture,rural areas and farmers.The credit business is led by the government,and the "Industrial Poverty alleviation credit Link" risk compensation fund is established through the government financial department.Local cooperative financial institutionsissue loans.A county rural commercial bank,agricultural bank of bank of A branch bank,post office,A branch,bank of ganzhou,A branch,A silver village Banks,according to the survey found A county is located in the county rural commercial bank lending and deposit amount first,agricultural loans is as high as 80%,efforts to support agriculture,the largest and "credit for poverty alleviation through industry" the most lending,so this paper chooses A county rural commercial bank as "credit for poverty alleviation through industry" practice subject to write,through the analysis of A county rural commercial bank to carry out the "industry via credit for poverty alleviation" results,as well as the key factor of success,From the perspective of financial institutions,this paper analyzes how financial institutions should go deep into the countryside and break the difficulties of peasant households in obtaining loans and making loans expensive.At the same time,due to the requirements of political achievements,insufficient supervision of the model of "household loan and enterprise return",the dynamic change of the list of poor households and the deviation of the risk compensation policy,the "industrial poverty alleviation credit Link" is facing difficulties in risk prevention.As for the deficiencies of risk prevention,Suggestions for improvement are given.First,the government should take active actions and make use of its huge organizational system to "fill in" each link of risk prevention.We will abolish credit guidance and encourage financial institutions to be more active through incentives.Secondly,in order to solve the hidden risks of "household loan and enterprise use",we should strengthen the supervision of the new type of farmer operating subjects who actually use the money.Third,further improve the risk compensation mechanism,introduce social donation funds,reduce financial pressure;Optimize the approval process of risk compensation to timely compensate the risk losses of financial institutions;Adjust the compensation liability of risk compensation to avoid maximizing the benefits of the banking sector.Finally,increase financial input to improve rural production conditions and strengthen vocational skills training for farmers,so as to fundamentally strengthen farmers' ability to resist agricultural natural risks and market risks,thus indirectly reducing the default risk of "industrial poverty alleviation credit link".