Survey Report On Financial Precision Poverty Alleviation In County A Of Shaanxi Province

Our country is at a critical moment in the end of building a well-off society in an all-round way."Tackling poverty" is a major strategy to promote economic development and improve people’s livelihoods.In order to eliminate poverty,the CPC Central Committee led the people of the country to overcome difficulties and further promote the implementation of targeted poverty alleviation."Financial poverty alleviation" is a key part of poverty alleviation work.The core is to target the actual needs of poor households and change the "transfusion" poverty alleviation to "Blood-making" poverty alleviation,improving the productivity of poor households,fundamentally solving the economic problems of poor areas,and increasing the income of poor households.The government further exerts the role of finance,encourages financial institutions to actively participate in poverty alleviation,leverages the resource advantages of financial institutions,helps share the financial pressure of national and local governments,coordinates social capital,exerts the role of market regulation,and injects capital into the economic development of poor areas.It can also promote the development of local industries.This report takes Shaanxi Province A County as the research area.In 2019,Shaanxi Province achieved 587,800 poverty-stricken people out of poverty,and the remaining 183,400 poverty-stricken households were registered.The incidence of poverty dropped to 0.75%,and per capita disposable income increased by 11.4%.Poverty reduction missions in 2019.As a representative large province in Northwest China,Shaanxi Province has complex poverty causes and deep poverty.The author selected a representative deeply-distressed county A in southern Shaanxi.This county integrates the Qinba mountainous area with a series of extremely poor areas,the old revolutionary poor areas,and the key poverty alleviation and development counties stipulated by the State Council.This article adopts survey methods such as data query,questionnaire survey and interview.It selects 12 villages in 6 towns,including Cha Town,Gaochuan Town,Lianghekou Town,and other counties to conduct field surveys.The County Finance Office,Poverty Alleviation Office,and Rural Business Banks,insurance companiesand other personnel interviews and field visits.By investigating basic household information,credit needs,industrial poverty alleviation,and understanding and satisfaction of local financial poverty alleviation policies,and combining interviews with local poverty alleviation offices,financial offices,banks and other relevant staff,they are summarized and organized.After fully understanding the current financial poverty alleviation policy,progress and performance of County A,and then integrating the local economic status and industrial foundation,it analyzed in depth the specific practices and practical problems in the county’s financial precision poverty alleviation work.It was clear that County A implemented a number of measures to coordinate poverty reduction in order to complete the task of poverty alleviation,mainly including: giving full play to the role of government finances,implementing a microfinance platform for poverty alleviation,building a new model of "four one" industrial poverty alleviation,and upgrading Jiangsu and Shaanxi poverty alleviation Collaborative platforms and e-commerce platforms,etc.,these practices have enabled County A’s poverty alleviation population to grow rapidly,its economy to develop at a high speed,and the poverty alleviation task for nearly three years has been exceeded.Of course,during the research process,the author also found that County A has many problems in precision financial poverty alleviation,such as insufficient investment in rural financial services,insufficient incentives for financial institutions to reduce poverty,lack of innovation,poor precision in financial poverty alleviation,imperfect risk compensation mechanisms,and industrial poverty alleviation.Lack of sustainability,etc.The entire report is gradually developed according to the writing ideas of current situation-practices-problems-enlightenment-solutions.It also explores the good practices of financial poverty alleviation in other areas of China.These practices open up new ideas for improving the financial precision poverty alleviation model in County A.Combined with the reality of County A,it provides a reference for solving the problem of poverty alleviation in County A and improving the efficiency of poverty alleviation.Based on this,the report also puts forward countermeasures and suggestions for improving the financial poverty alleviation model of County A,mainly from the perspective of the government,financial institutions,and poorhouseholds: improving the county financial service system,improving risk management and risk of microfinance Compensation mechanism,innovation of the "four one" industrial poverty alleviation model,promotion of the industrial structure upgrade of county A poverty alleviation,and promotion of agricultural insurance development.Among them,the focus is on the "four one" industry poverty alleviation model,proposing to extend and innovate the industry poverty alleviation model,strengthen the role of commercial insurance institutions,expand the function of mutual fund associations,and construct agricultural supply chain poverty alleviation to solve the poverty alleviation problem and improve finance The effect of poverty alleviation.This article studies the problems in the financial precision poverty alleviation work of County A in Shaanxi Province,and proposes corresponding improvement measures.On the one hand,it helps promote local financial poverty alleviation work,improve poverty alleviation efficiency,and achieve poverty alleviation in the county at an early date.Other counties in the region provided some reference for financial poverty alleviation work,helping more poor people get rid of poverty and become rich.