Research On The Development Of Policy-based Financial Poverty Alleviation Business Of Agricultural Development Bank Of China

Support poverty alleviation and development cannot leave the financial instruments,financial poverty alleviation policy is the main force of poverty alleviation and development career,is a important way of expanding precision aid-the-poor funds input,however,under the background of financial exclusion and financial development,how our financial poverty alleviation policy in public welfare,policy,and to find an optimal balance between profitability is still a difficulty and pain points.As a financial major force for poverty alleviation policy Banks,due to its special background and mission,profit in business expansion and capital preservation is facing greater pressure,how to play good backbone role in the process of policy finance in poverty alleviation,completes the social benefits at the same time,in order to realize their business structure optimization,size stability,efficiency and stable one is an urgent need to solve the problem.This paper takes agricultural development bank of China as the research object and analyzes the development of policy-based financial poverty alleviation business of agricultural development bank of China by combining theoretical research and case analysis.Article first obtains from the definition of policy finance,first comb the concept of policy finance and policy Banks,on the basis of combing for policy-based financial poverty alleviation at home and abroad research results,based on the definition and characteristics of policy finance,combining the theory of public theory,credit risk,financial sustainable development theory and theoretical basis of policy financial analysis framework in this paper.Then it systematically sorted out the problems and causes of the financial poverty alleviation of agricultural development bank of China from the aspects of its business structure,risks and benefits.Through systemat ic analysis,agricultural development bank of China's financial poverty alleviation mainly has problems such as blocked expansion of business scale,high risks and low returns,and unbalanced business structure.For the agricultural development bank of China policy financial poverty alleviation of the problems in the process of business development,combined with theory of financial sustainable development theory,and the theory of organizational credit,put forward looking for stock of incremental space,business development,expand the channels of funding sources,optimizes the allocation of credit structure,improve the risk management mechanism and so on concrete Suggestions and improving measures.