| As a bridge between poverty alleviation households and industrial poverty alleviation,poverty alleviation microcredit has played a huge role in promoting poverty alleviation.As an underdeveloped area in Jiangsu Province,Sihong County has a large number of poor people.Although all poverty has been lifted by 2020,it is easy to return to poverty if you are not careful.Therefore,in the next five years of poverty alleviation and consolidation period,how to play the role of microfinance in targeted poverty alleviation,to ensure the steady economic development of Sihong County,and to maintain the results of poverty alleviation and prosperity,will play a huge role.During the period of poverty alleviation,there were also supply and demand contradictions in the implementation of microfinance by Sihong County Rural Commercial Bank,with few product types,single service methods,unreasonable structure,lack of enthusiasm of banking and financial institutions,and some difficulties in adapting to the mechanism and system.At present,the requirements for the development of "agriculture,rural areas and farmers" and other issues,so solving these problems is of great significance to realize the comprehensive revitalization of Sihong County.This paper adopts the methods of literature research,questionnaire survey,statistical investigation,and empirical analysis to study the influencing factors of the rural commercial bank’s microfinance in Sihong County on the effect of precise poverty alleviation in rural areas,and draws the following research results and conclusions.Research results: rural precision farmers in Sihong County have a low understanding of rural commercial banks’ poverty alleviation microcredit,and the existing types of poverty alleviation products cannot meet the loan needs of poor households.The poverty alleviation targets of Sihong County Rural Commercial Bank are not satisfied with their poverty alleviation work as a whole,especially in terms of loan process and service attitude satisfaction.In the risk management of poverty alleviation loans of rural commercial banks,risk identification before lending is not in place,and the management of funds after lending is relatively weak.The model was established through multiple linear regression,and it was found that the seven influencing factors of gender,household per capita income,household head education level,household head health degree,household labor force,publicity level of small-amount poverty alleviation loans,and amount of small-amount poverty alleviation loans had positive and significant positive effects.The three factors,the distance between farmers and the nearest outlet,the term of poverty alleviation microcredit,and the loan interest rate acceptable to farmers,have a significant negative/reverse impact on poverty alleviation and poverty reduction and income increase.Research conclusion: According to the results of the questionnaire survey and the results of multiple regression analysis,the strategy of improving the poverty alleviation effect of Sihong Rural Commercial Bank’s microfinance during the period of poverty alleviation is put forward.Including strengthening the innovation of financial credit products,increasing the promotion of small and small loans,strengthening the risk prevention and management of credit products,and promoting service innovation and improving service quality. |
