The Reserch Of Rural Poverty Alleviation In Yunnan Based On Credit Data

Since the reform and opening up,China's rural poverty reduction work has achieved remarkable results,among them,rural financial services,especially bank credit resources play an important supporting role.However,in the research on the relationship between financial and rural poverty reduction,the academic comnunity has analyzed more from the perspective of financial development,financial reform and economic growth,and the analysis of credit resource allocation is relatively inadequate.At present,it is important to improve and enhance the financial services of poverty alleviation by deepening the relationship between the structure and efficiency of credit resource allocation and the effectiveness of rural poverty reduction,as the rural poverty alleviation progresses and the marginal efficiency of bank credit funds decreases.In this paper,the empirical study of poverty alleviation in Yunnan Province is carried out,and the first-hand data of the National Bureau of Statistics,the People's Bank of China and the CBRC and the first-hand data of the banking financial institutions are used to carry out the demonstration,multiply using the quantitative research method,qualitative research method,Literature research,case analysis and other research methods.Based on the data stability test and cointegration test,this paper constructs the ECM error correction model and the OLS multiple linear regression model.Combining with the specific case of Yunnan bank credit practice,this paper attempts to analyze the empirical analysis.To examine the relationship between credit allocation and rural poverty reduction,and to further clarify the main path of credit funds to rural poverty reduction.The results show that there is a Granger causality relationship between agriculture-related loans and per capita net income of farmers,that is,the total amount of credit resources is positively related to the effectiveness of rural poverty reduction.Although industrial development loans,fixed assets and technical services are related to agriculture,Income has a significant positive impact,but different types and investment in the contribution of credit resources is not the same,the most significant effect on rural poverty reduction is the industrial development loans,fixed assets loans followed,the most significant effect is Technical service loans.According to the conclusion of the study,this paper puts forward the policy suggestions to improve the efficiency of credit allocation from the government,banking and banking supervision dimensions.