| Poverty is one of the major problems facing the survival and development of human society.Since the 18 th National Congress of the Communist Party of China,China has made the elimination of absolute poverty one of the main tasks of building a well-off society in an all-round way.Relying on the financial system,China has carried out financial poverty alleviation,constantly explored financial poverty alleviation models,innovated financial poverty alleviation concepts,and exerted the "living water" effect of finance to help alleviate poverty.China has initially established a financial poverty alleviation system led by the government with the participation of financial institutions.The former financial "blood transfusion" poverty alleviation system has been gradually transformed into a "blood donation" poverty alleviation system,with significant improvement in poverty alleviation.At present,our country is in the crucial stage of runoff out of poverty,but some of the overall depth of poor areas of poverty task is still arduous,Chinese out of poverty population phenomenon still exists,should further reform of the financial poverty alleviation,optimize the financial poverty relief path,improve the efficiency of poverty alleviation,reduce the incidence of Chinese,the second crucial connected at the same time the country out of poverty the implementation of the strategy of rejuvenating.Taiqin County is located in the northeast of Henan Province.It is the first batch of national-level impoverished counties.As of the end of July 2019,the poverty incidence rate of this county was 3.5%,and the task of poverty alleviation was arduous.Target,the county adopted a variety of financial poverty alleviation models such as micro-credit poverty alleviation and "finance + industry" poverty alleviation.The poverty alleviation effect was remarkable,but there were also many problems.Based on a thorough analysis of the financial poverty alleviation related theories and cases,this paper conducts field surveys of Taiqian County,collects relevant data through field visits and interviews,and sorts out and analyzes the problems existing in the financial poverty alleviation of Taiqian County: First,The allocation of povertyalleviation credit funds is unreasonable and the loan coverage rate is low;the second is the unreasonable time limit for the distribution of credit funds;the third is the difficulty of financing the subsequent development of the poverty alleviation industry;the fourth is the low participation of county-level commercial financial institutions.In view of the existing problems,this article analyzes the cause of the problem from the demand side and supply side of the county’s financial poverty alleviation,and combines the actual development status of Taiqian County to optimize the financial poverty alleviation path of Taiqian County from both sides of demand and supply..On the demand side of financial poverty alleviation,with farmers’ professional cooperatives as the core,the industrial poverty reduction path led by cooperatives has been optimized to strengthen the combination of finance and industry,and stimulate the endogenous motivation of the demand side.On the supply side of financial poverty alleviation,financial institutions and With the government as the core,it has designed a supply chain financial credit model for Taiqian County,and introduced the concept of commercial financial poverty alleviation,and optimized the use of poverty alleviation funds in Taiqian County.Finally,I put forward relevant work suggestions for the next stage of poverty alleviation work in Taiqian County,and contribute our own strength to the poverty alleviation and rural development of Taiqian County. |
PDF Full Text Request