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Foreword Chapter Ⅰ Loans for the Poor--A Worldwide Problem Ⅰ. 1 Four Lows of Poor Households Ⅰ. 2 Four Worries of Financial Institutions Ⅰ. 3 Four Difficulties of Government Departments Chapter Ⅱ Innovation of Poverty Alleviation Microcredit Products Ⅱ. 1 Policy Design Ⅱ. 2 Implementation Ⅱ. 3 Preliminary Achievement Chapter Ⅲ Solve the Problem of Obtaining the Loans Ⅲ. 1 Removing Threshold by Government Credit Enhancement Ⅲ. 2 Setting the Loan Limit by Credit Rating Ⅲ. 3 Improving Service by Departments Collaboration Chapter Ⅳ Solve the Problem of Making Good Use Ⅳ. 1 Defining the Purpose of the Loan Ⅳ. 2 Standardizing the Usage of the Loan Ⅳ. 3 Improving the Use Efficiency of the Loan Chapter Ⅴ Solve the Problem of Repaying Ⅴ. 1 Based on Regulation and Monitoring Ⅴ. 2 Sticking to "Prevention First Ⅴ. 3 Valuing Classified Handling Chapter Ⅵ Typical Cases Ⅵ. 1 Poverty Alleviation Microcredit Case of Anhui Province Ⅵ. 2 Poverty Alleviation Microcredit Case of Yanchi County Ⅵ. 3 Poverty Alleviation Microcredit Case of Baogou Village Chapter Ⅶ Innovation of Financial Poverty Alleviation System with Chinese Characteristics Ⅶ. 1 Innovation of Financial Poverty Alleviation System Ⅶ. 2 Innovation Highlighting Advantages of Chinese Characteristics Ⅶ. 3 Consolidating and Deepening the Achievements of Institutional Innovation Appendix Operational Guidelines for Poverty Alleviation Microcredit Postscript Afterword