| L County is a national-level poverty-stricken county,facing the daunting task of eliminating poverty due to a large number of impoverished population and significant difficulty in poverty alleviation.n the early stage of carrying out targeted poverty alleviation,the government of L County launched a small-scale poverty alleviation loan policy based on the local main poverty situation,providing unsecured and unsecured interest-bearing loans to impoverished families to help them start their own businesses and get rid of poverty.The policy of small-scale poverty alleviation credit has gone through questioning and acceptance by impoverished households,and ultimately received welcome.Since its implementation in 2016,the number of people applying for small-scale poverty alleviation loans has increased year by year.This has transformed the local government’s poverty alleviation method from simple financial aid to a way of inspiring impoverished households to develop themselves.It has also enabled impoverished households to actively participate in poverty alleviation plans,explore suitable development models for themselves,and improve the sustainability of poverty alleviation in L county.In 2021,the strategy for poverty alleviation achieved a comprehensive victory,preventing poverty-stricken populations from falling back into poverty.Financial policies continued to exert force,including the implementation of small-scale credit policies for poverty alleviation,which has been renamed as small-scale credit policies for poverty-stricken populations.The essence of the policy and its target audience remains unchanged.Therefore,by studying the performance of small-scale credit funds for poverty alleviation in L County,strengthening the supervision and implementation of policies for small-scale credit for poverty alleviation,and ensuring the sustained effectiveness of this policy,we can help poverty-stricken households achieve self-development and true poverty alleviation.At the same time,it can further stimulate the endogenous motivation of poverty-stricken households,truly achieve the goal of poverty alleviation and wealth creation,and ultimately enable poverty-stricken households in L County to truly break away from poverty.This article studies the effectiveness of the use of small-scale credit funds for poverty alleviation in L County from multiple perspectives.Firstly,the poverty situation and development of small-scale credit for poverty alleviation in L County were understood through various channels.Secondly,field research was conducted to analyze the effect of small-scale credit on increasing household income for poverty-stricken households,and interviews were conducted with financial institution personnel and government officials to understand the effectiveness of the use of funds.Thirdly,the factors affecting the effectiveness of fund utilization were analyzed using the Analytic Hierarchy Process based on literature review.Finally,the overall effectiveness of small-scale credit funds for poverty alleviation in L County was evaluated using fuzzy evaluation method,and it was found that the financial assistance work in L County has achieved good results,and the poverty-stricken households who enjoy policy benefits have obtained good financial benefits.However,there are still some problems that need to be further improved.Finally,corresponding suggestions were proposed for these issues. |
