| Poverty is an important factor that restricts the progress of human society and economic development,and poverty reduction is an important issue for the whole society.As a country with a large population,China has been adopting various policies and measures to promote agricultural development,promote poverty reduction and strive to improve people’s living standards.From the agricultural supply-side structural reform to the battle against poverty,to the rural revitalization strategy,are all important decisions put forward by the country to eliminate poverty and build a well-off society.But China’s vast population,big and wide range of poverty alleviation work,absolute poverty elimination,relative poverty still exists,the poverty relief work is still a long way to go.In this battle without gunsmoke,policy-based finance is indispensable.As the only agricultural policy-based financial institution in China,Agricultural Development Bank of China has always been the main force and spearhead in policy-based financial poverty alleviation,and it is an important means and channel to expand targeted poverty alleviation fund input.However,under the current increasingly severe economic environment,how to balance the public benefit effect and the management goal of maintaining the cost and small profit while maintaining the policy orientation is still a thorny problem at presentBased on the field research and analysis of China Agricultural Development Bank Meishan Branch(Meishan Agricultural Development Bank for short),this paper starts from the definition of policy-based finance to analyze the actual meaning of targeted poverty alleviation and policy-based financial poverty alleviation in this paper.At the same time,it combines some basic theoretical knowledge,such as:,Keynes’ s effective demand,pratt &whitney financial market failure,etc.,to theoretical analysis in this paper,the policy finance,then to research the meishan city agriculture development behavior,analyzes its poverty alleviation and development and results,combined with the real cases of meishan D county,the bank policy financial poverty relief operation mode analysis,from the size of the loan,business structure,and the benefits and risks,etc,are analyzed and combed,meishan city,found that the bank policy there are financial and poverty alleviation loan scale and the poverty alleviation funds demand does not match,the imbalance in the structure of credit business,and business risk management yields are low.According to these problems,combined with the specific requirements of national comprehensive implement the strategy of rejuvenating the country,meishan city,to further promote the bank policy finance strengthen poverty alleviation and rural revitalization suggest effective connection in the following aspects: one is to promote business development for poverty alleviation,solve the contradiction between supply and demand of credit;Second,the establishment of business research and evaluation mechanism,adjust the structure of credit resources;Third,improve the risk prevention and control system to promote a virtuous cycle of business.. |
