Study On Risk Factors And Aontrol Measures Of Poverty Alleviation Microfinance In Shangluo

2020 is the year of decisive victory in the fight against poverty,and the fight against poverty has entered its final stage.As one of the important measures and financial policies to help the poor,the micro-credit for poverty alleviation plays an irreplaceable role in helping the poor to develop industries and increase their income,and solving the difficult problems of the initial development of industries.This situation has benefited from the government-level support policies and promotion of micro-credit for poverty alleviation,the innovation and improvement of micro-credit methods and loan types by financial institutions,and the promotion of the recognition of micro-credit policies by the poor people,the poor are more and more willing to obtain the start-up capital of development production through formal loans.However,in the special period when the most important political task,the fight against poverty,must be accomplished,it is precisely because of the pursuit of the effectiveness of poverty alleviation at the governmental level,it is easy to expose this fledgling and mature approach to financial poverty alleviation to all kinds of risks.Through the analysis of the three levels of government,farmers and financial institutions,in order to achieve the sustainable development of financial institutions,the interests of farmers should also be taken care of,and at the same time the government's task of poverty alleviation should be completed,this is the basic requirement for the current operation of micro-credit for poverty alleviation.By the end of March 2020,A total of 65,500 households in Shangluo have been granted micro-credit to help the poor,Cover about 50% of the total number of poor households.A total of 3.047 billion yuan has been invested,accounting for nearly 1 / 4 of the province.It includes "household loan for household","household loan for enterprise","enterprise loan for enterprise" and so on.The total loan amount is big,the function is big,but the latent risk is huge.In this paper,we take the poverty-alleviation microfinance as the research object,and analyze the loan situation of the three types of the poverty-alleviation microfinance in Shangluo,and the three financial institutions that mainly undertake the poverty-alleviation microfinance in the jurisdiction,as well as through the form of questionnaire survey,interviews and interviews,to understand the collection of opinions and suggestions from the poverty-alleviation departments,the operational personnel of grass-roots financial institutions,and the poor households,and the problems reflected,to explore the problems existing in the process of providing and recovering the micro-credit for poverty alleviation in Shangluo,and to further promote the sustainable development of the micro-credit for poverty alleviation,the measures and mechanism of preventing the risk of micro-credit are put forward.