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The main path of development credit funds in rural poverty alleviation in Y province is crucial. This paper studies the rural poverty alleviation work in extreme poverty areas in Yunnan and puts forward targeted and instructive policy suggestions for specific difficult areas. Research the relationship between credit resource allocation and rural poverty alleviation. The existing research is mainly based on the relationship between financial development and economic growth, income growth, income distribution, and, on the surface, the relationship between the scale of financial development and the efficiency of financial development and other indicators. The purpose is to put forward targeted measures and suggestions on the basis of theoretical research and model analysis to help the Yunnan banking industry support poverty alleviation. The results of the study show that there is a causal relationship between agriculture-related loans. [ABSTRACT FROM AUTHOR]

It is essential to solve the problem of information asymmetry in bank housing credit management, thus reducing bank operating costs and credit risk. Therefore, the present work constructs a bank housing credit blockchain alliance system based on the technical characteristics of blockchain to strengthen bank housing credit risk control. First, according to blockchain's elements and system architecture, the application of blockchain to bank housing credit business is analyzed. On this basis, the bank housing credit risk control strategy is proposed. Finally, the mathematical model is used to investigate residents' household consumption to explore the impact of housing credit on the household consumption plan of residents. The results show that when the educational level of the head of household is illiterate or semi-illiterate, the coefficients of participation credit (PC), nonparticipation credit (NPC), and total samples (TSs) of total household consumption are −0.064, 0.067, and 0.174, respectively; when the educational level of the head of household is primary school or junior middle school, the coefficients of PC, NPC, and TS of total household consumption are -0.026, 0.017, and 0.105, respectively; when the educational level of the head of household is high school or above, the coefficients of PC, NPC, and TS of total household consumption are 0.084, 0.073, and 0.064, respectively. The results indicate that the education level of the head of household plays a crucial role in the family consumption plan. Those with a high educational level will compromise on the best consumption decision after constantly weighing the consumption motivation and consumption thinking after obtaining the credit funds. The content reported here is vitally significant in guiding households to clarify the proportion of credit fund distribution and understand their consumption tendency. [ABSTRACT FROM AUTHOR]