Research On The Financial Precision Poverty Alleviation Management Strategy Of A Rural Commercial Bank

Almost all countries in the world have a tough problem,and that is poverty.With the rapid development of the global economy,China's economic level is also developing steadily,and people's living standards are constantly improving.However,poverty has always been an important issue in China's economic and social development.In order to solve the problem in our country,the state has formulated a comprehensive poverty alleviation plan.By 2020,all the people under poverty line in rural areas will be lifted out of poverty,and all the poverty-stricken counties will be removed.In order to win the battle against poverty,General Secretary Xi proposes the concept of precise poverty alleviation.He stresses that in the current situation,financial poverty alleviation must be taken advantage of to achieve poverty alleviation.Therefore,with the policy of the national poverty alleviation coming into effect,the proprietary term “financial precision poverty alleviation” raises concern of the public.At the same time,the state encourages the development of inclusive finance and has introduced an inclusive financial development plan.Inclusive finance is actually to let all the people enjoy equal and more convenient financial services.The difficulty lies in solving the problem of service supply in finance for the poor,low-income class,as well as medium and micro enterprises.That is to say,the poor group is the bottleneck of inclusive finance.To carry out financial precision and poverty alleviation,we must focus on the poor groups and transfer limited financial resources to the poor to achieve financial precision assistance.The purpose of inclusive financial development is to benefit all the people.In the past,low-income and poor people were the shortcomings of inclusive finance.Now,we should have more people benefit from inclusive finance,helping poor people to obtain financial services and getting rid of poverty.Therefore,financial precision poverty alleviation is based on the basic framework of inclusive finance.The most difficult problem in the process of achieving inclusive finance is the poverty alleviation problem.In recent years,various financial institutions have deeply implemented the concept of inclusive financial development proposed by international organizations.All financial institutions have consolidated the inclusive financial foundation,actively innovated financial services,and increased the implementation of financial precision and poverty alleviation.More poor groups have enjoyed financial assistance,improved their production and living standards,and therefore the poverty rate reduced greatly.However,there still exist many difficulties and problems in the practice of financial precision poverty alleviation,which seriously restricts the significant effect of the policy.How to activate financial poverty alleviation? This is a problem that financial institutions must face up.This article takes A Rural Commercial Bank as an example,starting with the relevant theories of precision financial poverty alleviation and inclusive finance.Then,it sorts out and analyzes the current situation and existing problems of A Rural Commercial Bank in financial precision poverty alleviation,and finally puts forward some work strategies to improve the current financial precision poverty alleviation.The first part is the introduction part,which briefly introduces the background of the topic,the purpose of the research,the literature at home and abroad,the significance of the research and the main contents and methods of the research;The second part is to elaborate on the related concepts and theoretical basis of financial precision poverty alleviation;The third part is to introduce the local government's poverty alleviation policy,mainly focusing on the practices and effects of A Rural Commercial Bank in financial precision poverty alleviation;The fourth part is to analyze the main problems and their causes in the course of financial precision poverty alleviation conducted by A Rural Commercial Bank;The fifth part is some practical experience of financial poverty alleviation at home and abroad,as well as some inspirations for us;The sixth part is to improve the implementation of financial precision and poverty alleviation,so as to help A Rural Commercial Bank implement the financial precision poverty alleviation mission better;The seventh part is the conclusion of the whole article and the expectations to A Rural Commercial Bank in its process to accomplish financial precision poverty alleviation in the future.Poverty alleviation is a long-term and arduous task.In the future,A Rural Commercial Bank needs to further enhance sense of the urgency and mission in the work of financial precision poverty alleviation,practice corporate social responsibility,and play a fundamental role in the county's financial development,continuing to intensify efforts and promoting new progress in financial precision poverty alleviation.