Study Of Financial Precision Poverty Alleviation In Raoyang County Of Hebei Province

In the outline of the 13 th five-year Plan,it is proposed that "we should fully implement the basic plan for the alleviation of poverty with precision and precision,innovate the working mechanism and model for poverty alleviation,and resolutely win the fight against poverty." It has pointed out the goal for the poverty alleviation work of the main body of poverty alleviation at all levels.At present,the fight against poverty in our country has entered the countdown stage,and the poverty alleviation work has made gratifying achievements,but the phenomenon of returning to poverty has also occurred from time to time.The new situation and new characteristics put forward New requirements for the financial precision poverty alleviation work of the government and financial institutions.Raoyang,as a county that has just taken off poverty,not only has the task that the remaining poor people need to be lifted out of poverty,but also undertakes the task of ensuring that farmers who have just lifted out of poverty will not return.As the core of modern economy and the blood of real economy,finance plays an irreplaceable role in our country’s precision poverty alleviation work.Therefore,it is of great significance to study the work of financial precision poverty alleviation in Raoyang County,and finishing the task of poverty alleviation in rural areas of Raoyang County can realize the goal of all the poor people getting out of poverty and not returning to poverty.This paper starts from the theory of financial precision poverty alleviation and takes the Financial Precision Poverty Alleviation work in Raoyang County as the object of study.The paper combines the situation of Raoyang County and uses the method of field investigation,the method of literature,the method of case analysis and comparative analysis to find out the problems existing in financial precision poverty alleviation in Raoyang County,then provides a new solution for the smooth development of poverty alleviation work.It consists of six parts: the first part is the introduction,which introduces the background,significance of the study,contents and methods of this paper,related research literature at home and abroad.The second part defines the concept of financial precision poverty alleviation and expounds the theoretical basis of this paper;The third part introduces the economic and social developmentof Raoyang County,and By means of reading materials and field investigation,this paper introduces the practice and achievements of Raoyang County in poverty alleviation,and points out the problems arising in the process of financial precision poverty alleviation in Raoyang County.The fourth part analyzes the advanced practices and experience of rural financial precision poverty alleviation in Yi’nan county and Juye county,and the fifth part provides countermeasures and suggestions for the problems existing in the practical work of rural financial precision poverty alleviation in Raoyang County.The last part is the conclusion.The study finds that the problems existing in the precision poverty alleviation in Raoyang County are as follows: Poor financial environment in rural areas,lack of the rural financing collateral,weak self-development ability,and the talents are scarce and difficulties to distinguish household loan enterprises from industrial cooperation and so on.Some countermeasures and suggestions to improve the precision poverty alleviation in Raoyang County are provided in this paper.Firstly,the financial precision poverty alleviation mechanism should be perfected.Mainly from broadening the way of mortgage guarantee,perfecting the rural credit collection system and the continuation policy,the house returning to poverty three aspects,widening the mortgage guarantee way,solving the financing difficulty,financing expensive problem;A good rural credit collection system is the premise of financial support for rural accurate poverty alleviation,and it is of great significance to improve the rural financial environment;It is the key to check and accept financial precision poverty alleviation work to ensure that poor households get rid of poverty completely without help and policy.Secondly,strengthening the capacity of self-development is aimed at the shortage of financial funds.Poor households,such as labour force and lack of technology,should be precise in implementing policies.Then it is necessary to increase the construction of the talent team.Efforts will be made to improve the working ability of grass-roots personnel and to improve the mechanism of personnel training.Thirdly,it is necessary to innovate diversified financial services and give full play to the unique role of financial institutions.In order to help the poor people,they should be helped out of poverty through their own efforts.Finally,the process of industrial poverty alleviation should be improved.The government,banks and other financial institutions should strengthen local industries andpromote regional economic development,then employment rate and income of poor people will increase.