Research On Poverty Aid Of Rural Finance In Hebei Province

Poverty is a world-class problem, but also has plagued the development of ourcountry. Financial aid is the powerful weapon to solve the problem of poverty aroundthe world. Different from the financial support, financial aid more attention to thepoverty groups has the development of willingness and has a production capacity.since the1980s, our country has developed the financial aid. But to some extent, itdelays the development of the financial institutions and cause a large number ofnon-performing loans,because the system is not perfect, inadequate protection,financial aid has not been able to play its due role for a long time. Currently, theproblem of financial aid has cause more attentions of the governments and scholarsaround the world, financial aid to deal with the problem of poverty were given thehigh expectations, in the case of global poverty problem, financial aid is a dose ofdealing with poverty and promoting economic development. Under this background,the financial aid cause more l attention by nations. In this thesis, the background offinancial aid is regarded as the breakthrough point. It is on the basis of economicstatistics, use the statistical correlation analysis method, establish the linear regressionmodel and study the financial aid. Finally, reaching the corresponding conclusions.This paper attempts to study the problem of financial aid from three dimensions:the first one is the international level, it has a common international background andfacing the problem of poverty both at home and abroad; The second one is thedomestic level, it analyse the present situation of the rural financial aid by povertyreduction mode, poverty relief, poverty alleviation and other aspects, then pointingout the existing problems of the rural financial aid in Hebei Province; the third one isa combination of international and domestic level, on the basis of exploring overseasfinancial aid’s experience, combining the actual situation of Hebei Province, thedevelopment countermeasures of our province rural financial aid are put forward. Itproceed with the background of financial aid, analyzed the concept and connotation offinancial aid, the present situation and existing problems. Finally, On the basis of thedevelopment of our province rural financial aid, the policy Suggestions for the development of financial aid are put forward by empirical analyzing.The full text is divided into five parts:The first part is the relevant theories of financial aid. In this part, it is a summaryfor the meaning and characteristic of financial aid, financial structure theory, theory offinancial repression and deepening, rural credit subsidies theory, rural financialmarket theory and the theory of incomplete competition market theory.The scholarsfrom all walks of life has carried on a summary with the financial aid concept, andproposes their understanding of the concept of financial aid, points out thecharacteristics of financial aid, namely subjectivity, sustainability, marketability,creative, and commercial. At the same time, analyze the financial and fiscal differentfor poverty alleviation, namely financial support is carried out through the layers oftransmission between the government, and financial aid is done by financialinstitutions; Financial support is more adopted "blood transfusion" type of subsidies,but the financial aid town more is to use "hematopoiesis"; Financial support is moregovernment intervention, but financial aid emphasizes the role of market mechanism;financial support is more attention to the poor welfare needs, but the financial aid isthe value-added and self-development of the poor; The government financial supportis emphasis on free sex, but the financial aid is the commercial.The second part is the development and present situation of the rural financialaid in Hebei Province. This part is the main content of this thesis, but also theimportant part for analyzing Hebei rural financial aid in depth. It is a summary ofseveral stages of our province rural financial aid, namely, the stage of eliminatingpoverty before reform and opening up, the economic system reform and povertyalleviation, large-scale development-oriented poverty relief, poverty alleviation andcrucial stage, poverty alleviation and development new stage. Moreover, it has carriedon a analysis from the poverty reduction mode, poverty relief, poverty alleviation ofpresent situation Hebei rural financial aid.The third part is the existing problems of the rural financial aid in Hebei province.This part is the main body of the work. Through the analysis of the present situationof our province rural financial aid, the problems for the rural financial aid in Hebei province are pointed out. The main task for poverty aid are less capital, capital lossserious, not perfect guarantee system and the poor financial environment.The fourth part is the domestic and foreign experience for reference for thedevelopment of the rural financial aid. In this part, the mian ide is the measures ofcurrent financial aid in other domestic provinces and cities abroad, such as Japan’sdevelopmental condition in peasants associate finance Bangladeshi micro-credit,poverty alleviation,"mutual funds" financial aid in Ningxia, Gansu "double its loanpoverty alleviation". Through the analysis, lessons from the experience of other areasare used in financial aid of our province.The fifth part is the policy recommendations for the rural financial aid in Hebeiprovince. Analyze the principle of rural financial aid and development in Hebeiprovince, namely, the principle of social responsibility, the principle of specific targetgroups, both policy and commercial principles, the principle of formal finance andinformal finance function complementary. In order to ensure the healthy developmentof the rural financial aid in Hebei province, some policy suggestions are present,including increasing investment, curbing capital outflows, improving the ruralfinancial system, perfecting the guarantee system, improving the rural financialenvironment, etc.