Study On The Poverty Alleviation Model Of Agricultural Bank Of Y County In L City

With the rapid development of China overall economic society today,there are still more prominent phenomenon of poverty in some areas,this is undoubtedly has great influence on China realize the restricting factors,a well-off society in an all-round way so long,China government are highly concerned about the poverty problem,has been to solve the rural poverty as a main element of China the overall work of the countryside.With the continuous development of China's economy and society in recent years,especially the deepening of reform and opening up,China's economic and social development has achieved a great leap forward development.In 2011,China GDP surpassed Japan,as the world's second largest economy position.However,in contrast with these dazzling achievements,in China,there are still 70 million 170 thousand poor people,national income levels and quality of life is still not optimistic.The poor distribution of the whole country from excessive concentration once,becomes relatively dispersed while the cause of poverty;and poverty,also slowly become diverse.As to promote the economic development of the financial instruments,financial poverty alleviation plays an important role in alleviating poverty,but in practice is also facing many problems,such as poverty and a small amount of the loan,risk management,and high transaction costs,the formal financial institutions because of its profits to loans to the poor,and poor credit interests in practice of serious leakage,were often grabbed by the rich and low repayment rate therefore,in order to better play the role of financial poverty alleviation in solving the rural poverty problem,it is necessary to carefully analyzed and summarized the current situation and problems of rural financial poverty alleviation and development experience of domestic and foreign financial poverty,to further improve the financial poverty alleviation system.This paper through the theoretical basis,the definition of poverty and poverty related concepts such as financial theory to establish this study,work to finance poverty alleviation Agricultural Bank Y County L city as the research object,through the Bank of Y County L City financial poverty situation and combing the characteristics of different patterns of poverty alleviation,the overall situation of the Agricultural Bank of China Y County L city finance poverty alleviation and basic model are summarized,analyzed the existing development process of Y County L city bank financial poverty problems in the modes and causes,at the same time in order to fully draw on the advanced experience of domestic and foreign financial poverty alleviation,three levels of government departments and banking institutions,the third party put forward to promote the Agricultural Bank of China Y County L City financial poverty alleviation countermeasures and suggestions: at the government level,to improve the system of rural financial services supporting supply,strengthen government financial support,rational use of property Government funds,improve the financial poverty alleviation mechanism,stimulate the enthusiasm of financial poverty,and to make the financial poverty alleviation and propaganda work,the expansionof financial poverty alleviation coverage;on the level of banking institutions,to perfect the guarantee system,the reasonable pressure drop of credit risk,strengthen communication and coordination,establish and improve the ability of financial poverty alleviation mechanism,enhance the sense of innovation,innovation in poverty alleviation projects;in terms of social third party organizations,to design and improve the poor identification standards and methods to strengthen the poverty alleviation fund management,guide and standardize the rational use loan for poor households,poverty alleviation and the effectiveness of Science evaluation.Finally,the research work is summarized and the prospect of the research is prospected.