Research On The Development Of Microcredit Business For The Poverty Alleviated Population At Z Branch Of R Rural Credit Cooperative

In recent years,both the central and local governments in China have attached great importance to the work of microcredit for the poverty alleviation population.However,China has a large population of poverty alleviation,and although it has already crossed the poverty line,there is still a certain risk of returning to poverty.As a targeted credit product for the poverty alleviation population,microcredit plays an important role in promoting stable poverty alleviation and consolidating the foundation of industrial development in poverty alleviation areas,and it is of great significance in consolidating the achievements of poverty alleviation.However,the scale of microcredit for poverty alleviation population across the country has decreased,and the development of microcredit business for poverty alleviation population has encountered constraints.How to develop microcredit for the poverty alleviation population is also an urgent requirement proposed by the central government to maintain the intensity of credit investment in poverty alleviation areas and solidly carry out microcredit work for the poverty alleviation population.It is also an important topic for the business development of rural credit financial institutions.The branch is the smallest institution of rural credit cooperatives and the most grassroots organization for the implementation of microcredit for the poverty alleviation population.It plays an important role in the development and improvement of microcredit for the poverty alleviation population.For this reason,this paper takes the Z branch of R Rural Credit Cooperative as a sample,and describes the current situation of the microcredit of the poverty relief population in the branch through the operating data of the microcredit business of the poverty relief population in the past years,the income data of the poverty alleviation population in the township where the branch is located,and summarizes the developmental disorder of the microcredit business of the poverty relief population in the branch.Then,on the basis of Financial inclusion theory,rural finance theory,corporate social responsibility "pyramid" theory,credit whole process risk management theory,with literature research method,field survey research method,etc.,the development status of micro credit for poverty alleviation population in rural credit cooperative Z branch was diagnosed.Based on the theory of credit whole process risk management,this paper divides the microcredit of the poverty alleviation population into three major links: pre loan,during loan and post loan.With the three major links of the credit process as the analytical framework,and the theory of Financial inclusion as the analytical perspective,this paper mainly analyzes the reasons that hinder the business development in the whole business process of the micro credit of the poverty alleviation population from outlets from the perspective of the mechanism of business operation and development.Through diagnosis,it was found that the small credit business for the poverty alleviation population in the Z branch of R Rural Credit Cooperative still needs to be improved in terms of pre loan service mechanism,insufficient innovation mechanism for in loan review,and incomplete post loan control mechanism.These shortcomings in these mechanisms hinder the high-quality development of the microcredit business for the current poverty alleviation population.This paper pointedly puts forward the principles,precautions and coverage that should be followed to build a solid microcredit system for the poverty alleviation population,and puts forward a series of detailed countermeasures to improve the level of pre loan investigation,improve the review in loan,and strengthen post loan management and control in business operation,so as to promote the high-quality development of small loan credit business for the poverty alleviation population in rural credit cooperative Z outlets.The research provides certain reference for the development of such businesses in rural credit finance and other financial institutions,and also provides a more diversified perspective for the theoretical research of microcredit for the poverty alleviation population.