Over the years, due to the lack of effective mortgage and guarantee, poor farmers "loans difficult, expensive" problem has not been effectively solved, the poor peasant households industry development fund bottleneck has prevented the development of poor peasant households production.For solving this problem, actively explore new financial mechanism for poverty alleviation in hunan province.

Especially operating procedure is multifarious, still affected by human factors, is not conducive to widely.At the same time, because these all belong to the local loan guarantee platform platform, its preferential loans, loan interest rates and risk resolution mechanism is difficult to get the policy support.In view of these problems, guizhou financial poverty relief after the meeting, we began to focused on poverty alleviation on microfinance, determined to explore a suitable for hunan financial industry poverty alleviation of practical, simple and quick way.

To poor farmers as the main body of microcredit loans in the financial industry, poverty alleviation and practice, we actively carry out accurate strategic thought for poverty alleviation, follow the government-led, financial participation, leading guide, leading industry, risk prevention and control work ideas and sustainable business principles, initially found a accords with the practice of hunan, is conducive to the new way of poor farmers' income out of poverty.

Through practice of nearly two years, the financial industry in hunan province poverty alleviation work to promote more smoothly, and maintained a good momentum of development.But the poverty alleviation work development space is very wide, has huge potential, but also met some problems in the implementation.