Micro-credit is of great significance in poverty alleviation in Guizhou, which can solve the problem of food and clothing, get rid of poverty, promote local economic development and promote social progress. This mechanism is especially suitable for the needs of low-income farmers in rural areas of Guizhou. First of all, there is no need for mortgage and guarantee. In addition, all kinds of training are provided for borrowers to improve their production skills, including family financial management, breeding technology, scientific breeding and small-scale operation. Equally important, the household sideline businesses mainly used to support farmers' non-food production include aquaculture, handicrafts, small-scale processing industries and small-scale commercial projects. The choice of investment projects is completely determined by farmers according to their own characteristics and market demand. In this way, on the one hand, we can make full use of farmers' surplus labor time, and also reduce the influence of climate or market price on grain planting. Small dadd microfinance improves the welfare level of poor users by providing rural farmers in Guizhou with the opportunity and ability to acquire various properties, which reflects its contribution to poverty alleviation and is of great significance. Provide necessary funds for farmers to find their own way of survival and seek their own development. Jiangkou county is one of the pilot areas of rural microfinance organizations, and the pilot of microfinance is a beginning, which is of great significance: first, it is conducive to the market-oriented reform of rural interest rates and makes the "price" of funds match the risk and return, which is the symbol and condition for establishing rural financial market mechanism; Second, it is conducive to promoting competition in rural financial markets; The third is to find a way out for private finance. The development of microfinance in Guizhou has diversified Guizhou's economic development, directly supported a large number of poor people, and explored a way for poverty alleviation funds and projects to reach households; Increase the opportunities and rights of the poor to participate in project selection and reduce the blindness of decision-making; Make all parties pay more attention to repayment; To some extent, the organization and management of poverty alleviation have been strengthened. With the continuous development of micro-credit in Guizhou, the rural economy in Guizhou is bound to undergo different changes.
2. When will the scholarships in Guizhou Province be awarded in 2022?
In 2022, Guizhou Scholarships will be awarded 1 1 month. 1 1 month not only issued scholarships, but also issued student loans. 1 1 month students will receive them one after another.
Third, the significance of poverty alleviation microfinance policy
Legal analysis: The implementation of the poverty alleviation microfinance policy has effectively reduced the threshold and cost of loans for poor households and greatly improved the convenience for poor households to obtain loans. By granting credit to poor households and issuing unsecured and unsecured credit loans, the problems of difficult and expensive loans for poor households have been solved. By the end of 20 19, a total of 61kloc-0/100 million yuan had been granted for poverty alleviation, covering15.44 million poor farmers, thus effectively solving the problem of insufficient start-up funds for the development and production of poor farmers. Take Yunyang District of Hubei Province as an example. Before the introduction of the poverty alleviation microfinance policy, more than 90% of the poor farmers in the whole region basically had no contact with banks. After the implementation of the poverty alleviation microfinance policy, poor households with working ability and development opportunities in the whole region competed for loans, and a gratifying situation appeared. The loan coverage rate of poor farmers increased from less than 0.07% to 62.04%, achieving full coverage of poor villages. Second, it has achieved the dual effects of developing industry and increasing income.
Legal basis: the Supreme People's Court's opinions on people's trial of loan cases.
Article 10 A loan relationship formed by one party against its true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.
Article 11 The lender knows that the borrower borrows money to engage in illegal activities, and its lending relationship is not protected.
Fourthly, the significance of microfinance to poverty alleviation in Guizhou.
Overview of industrial papers 1. The title of the paper is "Analysis and Research on the Current Situation of Rural Micro-credit Poverty Alleviation in Guizhou" 2. The source of the topic is written by myself. The basic point of view is to analyze and study the current situation of rural microfinance poverty alleviation in Guizhou and the development of rural economy in Guizhou, and to study the efficiency of microfinance poverty alleviation in Guizhou. Fourth, the paper structure 1, the origin of microfinance; 2. The development trend of microfinance in the world; (1) Grameen Model: Grameen Bank, one of the most successful rural financial models of poor banks; (3) The development status of microfinance in China and Guizhou; (1) rural economic development in recent years; (2) Analysis of rural economic structure; ③ The overall quality of rural population. Guizhou rural microfinance poverty alleviation situation 5 pages. The significance of microfinance to poverty alleviation in Guizhou; (1) policy has played a great role since its implementation. What is the contribution to rural economic growth? 6. Problems existing in micro-credit poverty alleviation in Guizhou and its impact on rural areas in Guizhou. 7. Analysis of the current situation of micro-credit in Guizhou and its countermeasures. V. References: