| After achieving comprehensive poverty alleviation and building a moderately prosperous society in an all-round way in 2020,China has entered a post-precision poverty alleviation era characterized by relative poverty and spiritual poverty.General Secretary Xi Jinping pointed out that the important task in the new journey is to consolidate the results of poverty alleviation and achieve effective connection with rural revitalization,so as to promote the development of the whole society.The implementation of the rural revitalization strategy must solve the problem of financial integration on the basis of comprehensive poverty alleviation,but there is still a certain space for the satisfaction of farmers’ funds in poor areas.On the one hand,farmers are not willing to borrow due to their own limitations and borrowing channel restrictions,on the other hand,they are faced with problems such as financing difficulties and expensive financing due to external environmental impacts.The precise poverty alleviation policy has effectively solved the problem of farmers’ borrowing,stimulated the willingness of farmers to borrow,and solved the problems of insufficient development power of farmers,while industrial support,employment assistance,financial support and other measures have provided a good guarantee for improving the living standards of farmers,helping farmers to generate income and increase income,effectively meeting the capital needs of farmers,and laying a good foundation for the development of rural areas.Therefore,in the post-precision poverty alleviation era,it is necessary to effectively connect and use the advantages brought by the precision poverty alleviation policy to achieve rural revitalization.Based on the above background,this paper takes Wuwei City,Gansu Province as the research object,and conducts a survey on the borrowing needs and willingness of some local farmers by filling in questionnaires and other methods,and studies the influencing factors of farmers’ willingness to borrow under the precise poverty alleviation of Wuwei City.Through the analysis of the mechanism of poverty alleviation policies on the borrowing willingness of farmers,combined with literature,theory and empirical analysis,it is concluded that the financial literacy,credit status and acceptance of poverty alleviation and assistance of farmers have a positive impact on the borrowing willingness of farmers,and the average annual income of households is inversely proportional to the willingness of farmers to borrow.Among the external factors,the relationship between interest rates and farmers’ willingness to borrow is not significant,and the complexity of lending is inversely proportional to farmers’ willingness to borrow.Finally,according to the conclusions of the investigation and research,corresponding policy suggestions are put forward,in order to put forward effective suggestions for Wuwei City to consolidate the results of poverty alleviation and achieve rural revitalization,and provide decision-making reference for promoting economic development in poor areas,improving farmers’ incomes,and enhancing farmers’ happiness. |
