1. Poor households can get rid of poverty by applying for poverty alleviation loans. Poverty alleviation loans are determined by the State Council, and the Ministry of Finance is responsible for the overall regulation of poverty alleviation loans, and then the Agricultural Bank, rural credit cooperatives and rural commercial banks are responsible for the specific issuance of poverty alleviation loans. Poverty alleviation loan is a policy loan business undertaken by domestic financial institutions. It is an important part of poverty alleviation and development in China. There are two main forms of distribution: one is small poverty alleviation loans to households; The other is poverty alleviation loans and infrastructure construction for leading enterprises.

2. Poverty alleviation loans are a combination of political tasks and economic work. It is a poverty alleviation and development plan implemented by the state in order to promote and maintain the regional balanced development of the domestic economy, and support poor areas to improve infrastructure and develop local advantageous industries. It is said that it is an economic work because it is different from other financial allocations and investors' gratuities. It is a kind of credit behavior and economic leverage, with the characteristics of policy orientation and preferential support. In terms of the specific use of poverty alleviation loans, precision poverty alleviation special loans can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation, and farmhouse restaurants. Can not be used for non-productive aspects such as marriage and building houses. The specific development industry is determined by the guidance of towns and villages. The use of loans by wealthy people, rural cooperative organizations and leading enterprises is determined independently according to their respective industrial types.

3 poor households loan conditions:

(1) aged between 18 and 60 years old, with a fixed residence and full capacity for civil conduct;

(2) Hold valid identity documents, have repayment ability, and have no bad credit record;

(3) The production and business operation activities conform to the national laws, regulations and industrial policies;

(4) Willingness to borrow and ability to develop independently;

(5) Capable people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (they must be poor households with established files) to increase their income and get rid of poverty;

(6) Lenders need to sign agreements with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of loans.