Research On Optimization Of Credit Rating System For Rural Poverty Alleviation Microfinance In D County

Eliminating poverty is a common problem facing all countries in the world,especially for a large population country like China.In 2012,China’s poor once accounted for 10.2% of the total population.In 2013,General Secretary Xi Jinping first proposed a precise poverty reduction strategy,and in the 13 th Five-Year Plan,he proposed the goal of achieving full poverty reduction by 2020.With the repeated introduction and implementation of a series of precise poverty alleviation policies,as of early March 2020,poverty-stricken counties in nine provinces,autonomous regions and municipalities including Hebei have all taken off their caps.However,it should be noted that while ensuring the effect of poverty alleviation,the government should also insist that poverty-stricken counties should not take off their caps,responsibilities,policies,assistance and supervision.Not only should those who have been lifted out of poverty be consolidated so as not to return to poverty,but also some of the remaining deep poverty-stricken people need to continue to tackle the problem,demanding high-quality completion of the remaining tasks of tackling poverty.In the process of precision poverty alleviation in China,financial poverty alleviation is an important starting point,and poverty alleviation micro-loans are the main means to achieve precision poverty alleviation,which play an important role in increasing the income of poor households,solving the problem of shortage of funds for production and development of poor households,and improving the "self-hematopoietic" ability of poor households.However,in some areas,the problem of difficult loans for the deep poor households still exists,so the support for poverty alleviation micro-loans should be further improved according to the requirements of the new situation.In view of the poverty alleviation problem of the remaining deep poor,how to give full play to the role of poverty alleviation micro-loans can not only control risks,but also improve the ability of poor people to obtain loans,which is especially important.On the basis of combing domestic and foreign credit rating methods,financial poverty alleviation and credit related theories,this paper summarizes the current situation of D County’s poverty alleviation microfinance policy and analyzes the existing problems of D County’s original credit rating system.Then,aiming at rebuilding the credit rating system of poverty alleviation micro-loans,this paper analyzes the relevant indexes that affect the credit of poor households,designs an index system including 5 first-class indexes and 19 second-class indexes according to the principle of index system construction,designs a new credit rating table by using AHP and expert scoring method,verifies the evaluation effect of the new index system through the case of poor households,and finally draws research conclusions and suggestions.The research on credit rating of poverty alleviation microfinance in D County in this paper has played a certain role in promoting the improvement of credit rating of poverty alleviation microfinance in the region.