Research On Strategies Of Rural Commercial Banks Participating In Financial Poverty Alleviation

During the NPC session in 2010,the poverty alleviation office of the state council,known as the poverty alleviation office of the People's Republic of China,made a statement,stressing the importance of the financial sector in poverty alleviation work,pointing out that in poverty alleviation work,the power of finance should be given full play,and more financial resources should be invested in poor areas and poverty alleviation projects.Under the premise of increasing emphasis on targeted poverty alleviation at the policy level,commercial Banks in rural areas of China are playing the main role of policy implementation.Therefore,it is of great value to explore how to give full play to the financing function of rural commercial Banks and improve the financial poverty alleviation system of sustainable development to implement the national poverty alleviation policies.This paper takes rural commercial bank A as the research object.Based on the credit risk theory and financial poverty reduction theory,this paper studies the participation of rural commercial bank in financial poverty alleviation strategy by means of literature materials,case analysis and other methods.This paper combines theoretical analysis with empirical research,and takes rural commercial bank A as the case study object to describe the current situation of the bank's poverty alleviation work in detail,analyze the current problems,and put forward corresponding Suggestions on how to further play the role of rural commercial bank in poverty alleviation work.Through the research,based on the development of A rural commercial bank and overall grasp the present situation and problems of poverty alleviation,combined with the practice of A rural commercial bank financial support for poverty alleviation,say A lack of financial knowledge,financial product design for poverty alleviation,loan risk slow-release insufficient,lack of professional financial personnel and personnel incentive mechanism for poverty alleviation and the lack of overall goals and long-term planning of the system is present A the plight of the rural commercial bank financial poverty alleviation.According to the above situation,this article from the social from all walks of life to the understanding of the financial poverty alleviation work,the development of innovative financial poverty alleviation and development business and the internal and external linkage,reduce the risk of bank credit,cultivate credit professional team for poverty alleviation,establish long-term from five aspects,such as A comprehensive overall planning for A rural commercial bank to participate in the financial poverty alleviation policy Suggestions are put forward,in order to better carry out rural commercial bank financial poverty alleviation work provide the beneficial reference.