Research On The Demand Of Microfinance And Its Influencing Factors Of Poor Households In Pingnan County

General secretary Xi Jinping stressed that the rural poverty alleviation is the marker index of overall construction of a well-off society.And ensure that by 2020 all poor areas and poor people into a comprehensive well-off society.Fujian provincial government also pointed out that Fujian province poverty alleviation war goals,by 2018,rural poverty in Fujian province the current national standard of poverty alleviation all out of poverty;by 2020,rural poverty in Fujian province the current provincial standard of poverty alleviation all out of poverty.At the same time,the realization of rural minimum living standards and national standard of poverty alleviation convergence.It is a clamant and heavy task for us to achieve the goal of all poor people out of poverty by 2020.To achieve this goal on schedule,to ensure that all the poor people in the province to enter a well-off society,the steady increase in income of poor households has become a key link.However,how to help poor households steady income,how to achieve precise poverty alleviation,precision out of poverty?Poverty alleviation microfinance is one of the main ways.Practice has proved that poverty alleviation microfinance is an effective way to help poor people to increase income.For a long time,because of the financial institutions loans high cost and risk,lenders and borrowers information asymmetry,the reason of poor households degree is not high,lack of labor skills,leads to poor households demand of credit is not intense,or difficult to obtain microfinance.The problem of poor households loans has become a major problem hindering poor households to get rid of poverty.In recent years,Fujian province has issued a series of financial services policy in rural areas,a lot of useful exploration on loans to poor households,in Pingnan county to carry out poverty alleviation microfinance innovation pilot work,and achieved initial results.This article mainly starting from the influence factor and demand of poor households microfinance,combined with the practice of microfinance in Fujian Province,discusses the sample County-Pingnan County microfinance work’ development situation main methods,characteristics and achievements.Based on literature review and qualitative analysis and expert consultation,drawn up influencing factors for poor households microfinance demand,and carry out field research in Pingnan County,carry out questionnaire investigations to 220 poor households in 11 villages and towns.Through the collation,statistics of the survey data,descriptive statistical analysis and multivariate linear regression analysis method for quantitative analysis,carry out the age and the poor households microfinance demand(amount to apply for)a significant negative correlation,carry out the labor force,total household expenditure,whether or not liabilities,amount of debt and poor households microfinance demand desire significant positive related;carry out the age,education,housing structure and poor households microfinance demand behavior(whether for microfinance)was negatively related,carry out the total household expenditure,labor skills and whether or not to apply is significant positive related.In view of the above factors,this paper puts forward some countermeasures from three aspects of government,financial institutions and poor households.In the government,by strengthening policy advocacy,the establishment of information platform,perfect the guarantee system,to explore the mechanism of innovation,strengthen supervision and guidance,education and poverty alleviation,labor skills training,to resettle,move to poverty alleviation,focus on promoting the"blood transfusion" of poverty alleviation to the "blood" of poverty alleviation,improve self-development capacity in poor households.In financial institutions,suggestions to improve the poverty alleviation microfinance supply capacity and service level by means of strengthening cooperation,enrich the varieties of loans and adjust the loan period.In poor households,proposals to change the idea,from the "Let me out of poverty" to "I want to get rid of poverty",enhance self development consciousness and poverty confidence,determination,and actively participate in education and labor skills training,to rely on their own hard work to achieve poverty.