Study On Problems And Countermeasures Of Rural Financial Poverty Alleviation In Linzi Rural Commercial Bank

As an important part of the theory of poverty alleviation,financial poverty alleviation has been paid great attention to.As a financial means to promote economic development,financial poverty alleviation has a positive role in alleviating poverty,but it has also encountered serious challenges in practice.This paper takes Linzi rural commercial bank as the object of study,through literature research,quantitative analysis and other methods of Linzi rural commercial bank in the mode of financial poverty alleviation in research,government and financial institutions to clarify its role,find out the problems and reasons in the practice of their own existence,better implementation of poverty reduction policies,to achieve the purpose of alleviating poverty.At the same time it can provide some help for the development of Linzi rural commercial bank.The contents of this paper are as follows:introduction.This paper introduces the background,significance and purpose of the research,defines the research objects and methods,and makes a careful review of the research status quo at home and abroad,clarifies the research train of thought,and points out the deficiencies brought by the innovation and various factors mentioned in the paper.Related concepts and theoretical foundations.First,the relevant concepts of poverty alleviation and development were defined.Secondly,the theoretical basis of poverty alleviation and development was combed,mainly including the theory of agricultural credit subsidy and the theory of rural financial market,which provided theoretical support for further research of this article.The analysis of Linzi rural commercial bank financial poverty status.First,the present situation of rural poverty in Linzi district is analyzed.Secondly,the causes of poverty in Linzi district are deeply analyzed.Then it introduces the status quo of Linzi rural commercial bank;the second is Linzi rural commercial bank in the financial situation of poverty alleviation,mainly including the Linzi rural commercial bank financial poverty alleviation and the overall situation of Linzi rural commercial bank financial poverty alleviation work carried out;then Linzi rural commercial bank financial poverty alleviation mode,introduces the analysis of production and farmers loan loan enriching and mechanism of farmers to get rich.The evaluation of Linzi rural commercial bank financial poverty status based on AHP.On the basis of analysis and establish the evaluation system of Linzi rural commercial bank participation in the status quo of financial poverty was evaluated and analyzed,finally find out the Linzi rural commercial bank to carry out financial poverty alleviation work problems.Research on the development countermeasures of rural financial poverty alleviation in Linzi rural commercial bank,including promotion of innovation consciousness,innovation of financial products and perfect the guarantee system of poverty alleviation,the reasonable pressure drop of credit risk,strengthen communication and coordination,the establishment of the three aspects of perfecting financial mechanism for the poverty alleviation work force.