The Design Of Income-based Poverty Alleviation Microfinance Schemes Promoted By Government, Banks And Enterprises

With the approaching goal of the first century,China's poverty alleviation has entered the final stage of tackling.Changes in the poverty alleviation stage have also led to the continuous evolution of poverty alleviation strategies.With the concept of precise poverty alleviation,we can achieve the effects of “really poverty alleviation”,“helping the poor” and “getting out of poverty”.In the past,poverty alleviation methods were prone to problems such as “large flood irrigation”,“target shift” and “elite capture”.Therefore,innovative poverty alleviation models and tools can make new ideas come into practice and be an important support for improving poverty alleviation systems and systems in the new era..As a financial poverty alleviation tool with good effects in practice,poverty alleviation microfinance has been widely used by the government as a means of support in rural areas,but it also faces problems such as insufficient effective demand and high risks.The concept of asset income poverty alleviation is a valuable innovation in exploration.It creates the property income of the poor,so that it has gained a higher market position and more economic opportunities,and promotes the economic income and endogenous health of the poor.Ability has important implications.This paper designs a revenue-based poverty alleviation microfinance scheme coordinated by the government,banks and enterprises.The main feature of the program is to use the latest concept of asset income poverty alleviation,reduce the risks faced by poor households through enterprise cooperation and asset returns,fully mobilize their enthusiasm for participating in industrial projects,and ensure a reasonable benefit distribution system to ensure that poor households can pass this loan plan.We will achieve poverty alleviation and income increase.At the same time,we will gradually cultivate the endogenous capacity of poor households in the process of participating in industrial projects,and achieve the goal of long-term stability and poverty alleviation.Governments,banks,and enterprises can also meet their respective needs in the process of participating in this loan program,and obtain the synergy benefits of social poverty alleviation.The program has designed the process of credit review,disbursement and principal and interest payment in detail,and analyzed and arranged the income mode of poor households.It embodies the functional characteristics of poverty alleviation,industrial support and risk control,and loans according to relevant regulations and practices.The part of the programme that involved the price was designed.In order to meet the requirements of practical use,this paper also gives a detailed argumentation analysis of the advantages and feasibility of the program.The results show that this program has better accuracy than other poverty alleviation credit products,and can better cultivate the endogenous life of poor households.ability.Finally,the article examines the characteristics of the poverty alleviation microfinance scheme from the perspectives of income and risk,confirms the poverty alleviation and income-increasing function and the internal growth capability of the loan product,and proposes preventive measures for the related risks involved.At the end of the article,the author puts forward his own evaluation of the income-based poverty alleviation micro-credit scheme promoted by the government,banks and enterprises,and the prospects for the future.