Research On The Financial Poverty Alleviation Problems And Countermeasures Of DE County Branch Of Agricultural Bank Of China

As a means of poverty alleviation,financial poverty alleviation plays a more and more important role in poverty alleviation.As an important part of the national financial system,commercial banks play a major role in financial poverty alleviation.At present,all commercial banks give full play to their advantages and actively participate in the practice of financial poverty alleviation,which not only achieves good poverty alleviation effect,but also forms a diversified poverty alleviation model and accumulates rich practical experience.At the same time,the government and the supervision department of commercial banks have made corresponding institutional arrangements to promote and encourage commercial banks to participate in financial poverty alleviation.It is of great significance for the sustainable and stable development of financial poverty alleviation in China to study the relevant issues of financial poverty alleviation of commercial banks and explore the internal operation law of financial poverty alleviation of commercial banks.This paper takes de Agricultural Bank of China as the research object,analyzes the related problems of financial poverty alleviation,starting from the mechanism and path of financial poverty alleviation of commercial banks,combs the representative theory of poverty alleviation,the theory of rural financial market,the theory of Financial Exclusion and the theory of financial deepening and other related theoretical basis,and sorts out the theoretical framework for the financial poverty alleviation of commercial banks,based on which First of all,this paper analyzes the background,personnel and organizational framework,products and business development status of the financial poverty alleviation business of De county branch of Agricultural Bank of China,and points out the problems faced by the financial poverty alleviation business of de Agricultural Bank of China,such as weak customer base,traditional business development mode and weak financial poverty alleviation channel construction capacity.Through SWOT analysis,combined with the actual situation of business operation of de Agricultural Bank of China and the characteristics of industrial structure of De county,this paper puts forward measures to improve the financial poverty alleviation business,and establishes five measures to improve the level of financial poverty alleviation,including optimizing customer structure,diversifying risk mitigants,business transformation and development,promoting financial innovation,and optimizing and upgrading channels,and thus puts forward resource tilt,risk management,and specialty Four guarantee measures,namely,poverty alleviation plan,special evaluation and statistical monitoring,were carried out to support the promotion of financial poverty alleviation.Through the research on the financial poverty alleviation of the de County branch of the Agricultural Bank of China,it is helpful for the de County branch of the Agricultural Bank of China to provide more efficient and low-cost financial services to support the poverty alleviation of the poor people in De county,promote the sustainable development of the financial poverty alleviation in De county,and provide useful reference for the financial poverty alleviation business of other County commercial banks.