扶贫小额信贷（破解贫困人口贷款难题的中国实践）（英文版）

作者简介

内容简介

Faced with the worldwide difficulty of loans for poor people, General Secretary Xi Jinping put forward to do a good job in financial poverty alleviation. With the support of the China Banking and Insurance Regulatory Commission, the Ministry of Finance and the People's Bank of China, the State Council Leading Group Office of Poverty Alleviation and Development has carried out scientific top-level design, adhered to the principle of \\\\\\\"orientation, precision, preferential treatment and innovation\\\\\\\", promoted the structural reform of the financial supply side, and innovated policies, products and services. Preferential financial credit loans with \\\\\\\"less than 50,000 yuan, within three years, free of guarantee and mortgage, benchmark interest rate lending, discount interest by poverty alleviation funds, and risk compensation fund by county\\\\\\\" are customized for the registered poor people. Though very small, the water drops finally fill the big container. Through more than five years of development, poverty alleviation microcredit has achieved four results. First, it helps the poor solve the problem of \\\\\\\"obtaining loans\\\\\\\". In the past, poor households lacked property, collateral and guarantee, and it was difficult to obtain loans even when there were good industrial projects. The adoption of poverty alleviation microcredit policy has removed the loan threshold and reduced the loan cost, which greatly improved the availability and convenience for poverty-stricken households to obtain loans. Second, it achieves the dual effects of developing industry and increasing income. Poverty alleviation microcredit strictly stipulates the purpose of loans. Only for developing industries can poor households obtain preferential loans. This not only supports the poor households to operate industries, but