| In recent years,in order to implement the central government’s financial precision poverty alleviation work,various financial institutions have launched new varieties of poverty alleviation microfinance that combine their own and local realities.At the beginning of the formulation of these poverty alleviation microfinance varieties,local governments,financial institutions,and poverty alleviation departments participated in the competition.Compared with traditional poverty alleviation loans,there have been many new changes in the product cycle,repayment methods,and guarantee methods.As far as poverty alleviation microfinance is concerned,the key to its applicability is whether it can smoothly help poor households to generate income,whether it can allow the lending institutions to proactively carry out the long-term development,and whether they can obtain broad support and active marketing from all parties involved.Taking Daye City as an example,in 2017,Daye Municipal Government,Municipal People’s Bank,Municipal Poverty Alleviation Office,Hubei Daye Rural Commercial Bank Co.,Ltd.(hereinafter referred to as Daye Rural Commercial Bank),after many discussions,launched in July.Based on the local real new type of precision poverty alleviation loan type Daye Rural Commercial Bank “Poverty Alleviation Microfinance”,it explored a new operation mode of “farmers get income,get jobs,and enterprises get benefits”.In the year of launch,the cumulative amount of payment was 23 million yuan,benefiting 474 households with poverty,and the recovery rate at the end of the year reached over 99%.In view of this,this paper focuses on the poverty alleviation microfinance of Daye Rural Commercial Bank.Firstly,through the research background of the paper and the research significance,the research direction,research methods and ideas of the paper are determined.It also states the concept and research necessity of poverty alleviation microfinance.Secondly,through the statement of domestic and foreign research results of poverty alleviation microfinance,combing relevant theories.Thirdly,with Daye Agribusiness Bank’s poverty alleviation microfinance as the main body,explain its operation mode and specific plans.In contrast to Yingshan Rural Commercial Bank and Xiaochang Rural Commercial Bank’s poverty alleviation microfinance,the problems and causes of the products are analyzed from the perspectives of the parties’ psychology,operation mode and information mismatch.After a lot of analysis and research,the paper finally got the problem of the poverty alleviation microfinance of Daye Rural Commercial Bank,that is,the product coverage was narrow,the pain point of low per capita income was not found,the sustainability was insufficient,and it was greatly affected by information asymmetry.From the aspects of product operation,risk prevention and control,and reward redemption,it proposes to gradually reduce government intervention;strengthen the construction of bank and village group information platform,improve the construction of rural credit environment,and improve the government reward mechanism. |
