The Research Of Poverty Alleviation Microfinance Business Sustainability In Dazhou City

Alleviating and eradicating poverty is a huge problem facing all countries in the world,especially the developing countries.As a low-interest-rate and small-scale credit service,which is devoted to providing low-income and middle-income,micro-credit poverty alleviation is of great significance to poverty alleviation.Financial poverty alleviation is an important part of the poverty alleviation and development strategy system in rural areas,and the implementation of poverty alleviation micro-finance is the core and support of financial poverty alleviation.According to China's poverty alleviation standard,there are still 76 million rural poor people in China by the end of2015,and there is no fundamental change in the lagging behind of poverty-stricken areas.One of the important reasons is lack of adequate and effective poverty alleviation funds and financial assistance.At present,the backwardness of financial services in rural areas,especially the problem of "financing difficulty" and "financing cost" has become a bottleneck restricting the development of rural poverty areas,how to guide financial institutions to rural credit card households in the approved quota and duration And to reduce the risk of loans by means of financial interest discount,risk compensation and insurance,and help the poor households get rid of poverty and become rich as soon as possible.This has become the top priority of the current implementation of Pratt & Whitney's financial policy.Based on the analysis of the basic theory of poverty alleviation micro-credit both at home and abroad,based on the reality of Dazhou Rural Cooperative Financial Institutions' Poverty Alleviation Micro-finance Operation Management,this paper explores the effect of poverty alleviation in Dazhou The main problems that may exist in the process of loan operation and the experience of the advanced micro-credit model at home and abroad to construct a micro-credit model of poverty alleviation with operational and commercial sustainability.In the process of research,this paper,based on the basic framework and research paradigm of economics research,summarizes the purpose and significance of the study,as well as domestic and foreign research summary,combing the basic concepts and basic theories of poverty alleviation micro-finance Thepaper summarizes the emergence and development course of micro-loans for poverty alleviation,and studies the advanced small-scale poverty alleviation loans of domestic and foreign financial institutions from the aspects of operation mechanism,management mode and implementation effect.Based on the actual situation of Dazhou City,The paper summarizes the existing problems and causes of the implementation of the rural poverty alleviation micro-credit in Dazhou Rural Credit Management from several dimensions,and summarizes the existing problems in the implementation of the rural credit cooperatives.Finally,some suggestions are put forward from the aspects of self-construction of rural credit cooperatives,establishment of mufti-type financial organizations,innovation of financial services,improvement of financial supervision policies,and establishment of relevant government support and support policies.In the process of research,this paper compares the main models of poverty alleviation micro-credit at home and abroad,sums up the characteristics of different modes of operation,organizational processes,management models,etc.;to adopt field interviews,questionnaires,home advice and other means to listen to The financial institutions,the party and government departments,as well as the poor farmers and other opinions,on the city of poverty-stricken micro-credit the specific implementation of field research.On the basis of learning from the advanced experience model,this paper constructs an integrative supporting frame system for poverty alleviation micro-finance,and puts forward concrete and feasible development proposals from different angles,which improves the pertinence and explanation of research.Of course,by the level of knowledge and research time constraints,this article there are some shortcomings,these unresolved problems,to be in-depth follow-up study.