Research On Financial Poverty Alleviation In Heilongjiang Province From The Perspective Of Inclusive Finance

Poverty has long been a problem of concern to the world.The report of the 19 th CPC national congress pointed out that in the five years since the 18 th CPC national congress,the incidence rate of rural poverty in China has dropped from 10.2% to less than 4%,and more than 60 million people have been lifted out of poverty steadily.The favorable effect of poverty alleviation results from the transformation of poverty alleviation strategy fro m "blood transfusion type" to "blood production type",and the continuous flow of financial capital to the "three rural areas" to provide impetus for poverty alleviation.Since 2004,the No.1 document of the central committee has continuously stressed the importance of poverty alleviation.The No.1 document of the central committee in 2019 takes giving full play to the role as the anchor of "agriculture,rural areas and farmers" as the core,and makes the strategic plan of poverty alleviation a top priority.In recent years,rural finance has been developing well.By improving the availability of financial services,economic subjects excluded by finance can be included into the financial system,which can effectively enhance the endogenous driving force for the development of agriculture,rural areas and farmers.Its system construction and economic and social progress complement each other,and at the same time emphasizes the importance of building a inclusive financial system.By improving financial services for "agriculture,rural areas and farmers",remote areas and small and micro enterprises,targeted financial poverty alleviation can be promoted.In the middle of the No.1 document of the central committee in 2019,Xi Jinping,the general secretary pointed out that financial services to the real economy,the escort for the economic society and people's demand,insist on financial service priority agriculture and rural areas,allowing financial services through every link of "agriculture,rural areas and farmers",implement inclusive financial agricultural loan growth is higher than the loan growth,encourage the development of banking financial institutions to support agriculture,rural areas and farmers.In the "plan for promoting the development of inclusive finance(2016-2020)" issued by the state council,the poor group,the elderly,farmers,small and micro enterprises,urban low-income groups and other groups are listed as the key objects of inclusive finance services,so that the development goal of inclusive finance is consistent with poverty alleviation,providing a new perspective for poverty alleviation through development finance.Heilongjiang has a good agricultural resource endowment,but abundant agricultural resources also means a large number of rural areas and farmers,which has a bad foundation for the occurren-ce of poverty.Coupled with the poor economic growth in recent years,it "creates momentum" for the intensification of poverty.Therefore,the work report of Heilongjiang provincial government also emphasizes targeted poverty alleviation and stable poverty alleviation for several consecutive years,and strengthens the cooperation between finance and poverty alleviation.In recent years,the financial development of Heilongjiang province is in a good state.As an important way of financial poverty alleviation,inclusive finance is consistent with the idea of supporting poverty alleviation.At the bottleneck stage when the rate of poverty alleviation slows down,how to promote the financial poverty alleviation work to make a new breakthrough has become one of the research hotspots.Therefore,this paper takes Heilongjiang province as the research object and analyzes the existing problems of financial poverty alleviation in Heilongjiang p rovince from the perspective of inclusive finance.Imperfect inclusive finance system of financial institutions,adverse objective environment in poverty-stricken areas and difficulties in identifying poverty by the government are all factors restricting the effectiveness of inclusive finance in poverty alleviation.The empirical study verifies that inclusive finance plays a role in promoting poverty alleviation,establishes the feasibility and operability of financial poverty alleviation from the perspective of inclusive finance,and finally puts forward specific countermeasures according to the existing problems of financial poverty alleviation in Heilongjiang province,improves the accessibility and penetration of inclusive finance,innovates financial se rvices,deepens the poverty alleviation concept of financial institutions,and draws lessons from foreign financial poverty alleviation models.We should raise the educational level of the poor households,improve their poverty alleviation thoughts and income-generating skills through training,and enhance their endogenous motivation to lift themselves out of poverty.The government should continue to provide policy support for financial poverty alleviation,improve rural infrastructure construction,and provide a good economic and ecological environment for the smooth development of financial poverty alleviation.At the same time,the government should attach importance to the role of policy-based finance and accelerate the process of poverty alleviation in Heilongjiang province through the interaction of all parties.