An Empirical Study On The Influencing Factors Of Povertyalleviation Efect Of Rural Microcredit In Badong County

Poverty alleviation by microcredit is of great significance to the cause of poverty alleviation in China.On the one hand,it can provide the necessary initial development funds for the development of agricultural production and management of poor households,on the other hand,it can also gradually improve the financial market system in poor areas.According to the results obtained by microcredit in poverty alleviation,it can increase the income of poor households,solve the shortage of production and development funds,perfect the rural financial market system,and improve the ability of poor families to "self-hematopoiesis" and so on.In this paper,the poverty-stricken households in Badong County are selected as the research object.The specific areas are in the rural poverty-stricken areas of Donglangkou Town,Yandu River Town,Guandukou Town,Chadianzi Town,Lvliangpo Town,Dazhiping Town and Shuibuwu Town in Badong County.The research methods used include literature research method,questionnaire survey method,interview survey method,statistical analysis method,in which the literature research and interview survey are to determine the influencing factors of the poverty alleviation performance of microcredit,as well as the measurement index,and measure the questions;Questionnaire survey is to obtain the corresponding data results,statistical analysis is to determine the impact of various factors on the performance of microcredit poverty alleviation results and the degree of impact.Its The main contents of this paper include the analysis of the current situation of rural microcredit poverty alleviation in Badong county;the construction of the model of influencing factors of rural microfinance poverty alleviation performance in Badong county;the path to improve the poverty alleviation performance of rural microcredit in Badong county and the policy suggestions.Finally,through the above-mentioned research,the following conclusions are drawn:(1)the degree of impact of microcredit business application on the poverty alleviation performance of microcredit is 0.64,and the effect of microcredit result on the poverty alleviation performance of microcredit is 0.44,The influence degree of the convenience of microcredit on thepoverty alleviation performance of microcredit is 0.47,and the influence degree of the condition of microcredit service on the poverty alleviation performance of microcredit is 0.41.(2)lowering the threshold and difficulty of application can improve the poverty alleviation performance of microcredit;increase the loan quota and set up flexible repayment method can improve the poverty alleviation performance of microcredit;Improving the convenience of micro-credit business can improve the poverty alleviation performance of micro-credit,and improving the quality of micro-credit service can improve the poverty-alleviation performance of micro-credit.Based on the above research conclusions,the following countermeasures and suggestions are put forward,including: setting up a diversified credit evaluation mechanism,reducing the threshold and difficulty of application,increasing the amount of micro-credit,setting up flexible repayment cycle and form;Set up new branches of financial institutions to gradually promote the online business application mechanism;enhance the letter The quality of loan service,the establishment of poor household service satisfaction evaluation standards.