A Study On The Impacts Of The Microfinance Guarantee Insurance On Precision Poverty Alleviation In Chenzhou City

As the world's most populous country,the gap between the rich and the poor is particularly obvious.President Xi proposed to eliminate the poor in 2020,so the whole country actively carried out poverty alleviation work and adopted various methods to alleviate poverty.In 2015,China began to promote the micro-credit guarantee insurance precision poverty alleviation model nationwide.In order to solve the problem of “difficulty in loans” and “difficult loans” for the poor,the government of Ganzhou City has jointly launched a financial institution represented by rural commercial banks and an insurance company represented by PICC to launch financial services represented by “political and financial insurance”.Providing huge financial support for the poor to achieve “hematopoietic” poverty alleviation has led to a rapid decline in the poverty-stricken population in Chenzhou.The thesis thinks that the integration of microfinance guarantee insurance's joining the precise poverty alleviation effectively promote the process of precise poverty alleviation,which is conducive to reducing the gap between the rich and the poor in urban and rural areas,and has important strategic significance for accelerating the construction of a socialist harmonious society.Microfinance guarantee insurance has many influences on precision poverty alleviation.Quantitative indexes are needed to measure and evaluate the impact of microfinance guarantee insurance on the precise poverty alleviation in Chenzhou.This thesis firstly introduces the concept of microfinance guarantee insurance and the background and meaning of the insurance joining in the precise poverty alleviation.And the thesis believes that microfinance guarantee insurance can make accelerate poverty alleviationSecondly,this thesis sorts out the current situation of microfinance guarantee insurance in Chenzhou,and using the theory of welfare economics and the theory of poverty alleviation to analyze the microfinance guarantee insurance.And it is believed that microfinance guarantee insurance can effectively promote the development of precision poverty alleviation,and microfinance guarantee insurance can effectively form Pareto improvement.Thirdly,this thesis comprehensively adopts the analytic hierarchy process and the entropy weight analysis,and the combination of subjectivity and objectivity to calculate the proportion of each indicator.After quantitative analysis,the comprehensive score of the impact level for microfinance guarantee insurance on precision poverty alleviation is obtained.The empirical results show that microfinance guarantee insurance has the most profound impact on the policy objectives of precision poverty alleviation,and it also has considerable impact on poverty alleviation efficiency and poverty alleviation effect,but there is still a lack of sustainability.Finally,based on the empirical results,corresponding solutions are proposed for improving the impact of microfinance guarantee insurance on precision poverty alleviation.The solution include expanding the protection scope for large credit and microfinance guarantee insurance,enhancing publicity,and establishing relevant laws.However,the aim of these suggestions is to promote the development of microfinance guarantee insurance for poverty alleviation.