甘肃省精准扶贫专项贷款绩效评价研究

发布时间：2018-02-01 06:52

本文关键词： 精准扶贫专项贷款绩效评价甘肃省层次分析法　出处：《兰州大学》2017年硕士论文　论文类型：学位论文

【摘要】：“消除贫穷,改善民生,实现共同富裕”是实现国家稳定、社会和谐的重要条件,亦是我党一直以来的奋斗目标。当前扶贫工作的重大成果有目共睹,但是不可否认的是我国仍为发展中国家,居民人均收入水平较低,贫穷人口所占基数大、地区间相对贫困凸显,限制贫困地区发展的根本矛盾复杂,扶贫攻坚仍然任重道远。2015年7月,甘肃省启动了惠及全省贫困农户的“精准扶贫”专项贷款,累计共发放431亿元贷款,省财政贴息19.2亿元,使95.8万户、395.5万的穷困人口得到实惠。为透彻了解“精准扶贫”专项贷款项目的落实情况,准确把握贷款资金的使用效率和效益,全面掌握贷款项目对农户脱贫致富以及社会经济发展的影响,就必须对贷款资金的绩效进行深入分析和综合评价。本文根据“精准扶贫”专项贷款项目的性质、特点和绩效评价的要求,设计了相应的绩效评价指标体系。通过调查“精准扶贫”专项贷款项目实施情况,获取基础资料,运用统计分析等方法对进行数据处理。从组织管理、资金效率、资金效益和可持续发展能力四个方面,运用综合评价方法对“精准扶贫”专项贷款项目绩效进行综合评价。评价结果显示,甘肃省“精准扶贫”贷款项目的综合绩效“良好”。其中,组织管理绩效“很好”,表明贷款工作程序透明,组织有力,管理到位,监督完善,农户满意度、认知度比较高;贷款资金效率绩效“较好”,表明贷款发放比较及时,大部分被用于生产经营活动,对社会资金起到了一定的撬动作用;贷款资金效益绩效“一般”,表明贷款虽然对农民收入增长有一定促进作用,但由于贷款资金收益率较低,对农户收入结构的改善有限;可持续发展能力绩效“很好”,表明受贷农户在生产技能提升、收入持续稳定增长、抗风险意识增强以及信息获取渠道的拓展等方面都有了很大提高。根据“精准扶贫”专项贷款的绩效评价结果,本人认为该项目对农户增收、当地经济发展有较大的推动作用,但在贷款制度安排、组织管理、资金使用以及风险防范等方面存在不足。针对以上问题,本人提出了优化制度安排,强化组织管理,创新工作方式,完善风险防控机制等对策建议。
[Abstract]:"to eradicate poverty, improve people's livelihood, and achieve common prosperity" is an important condition for achieving national stability and social harmony, as well as our party's persistent goal of struggle. However, it is undeniable that China is still a developing country, the level of per capita income of residents is low, the base of poor population is large, the relative poverty between regions is prominent, and the fundamental contradiction of restricting the development of poor areas is complex. In July 2015, Gansu Province launched a "precision poverty alleviation" special loan that benefited poor farmers in the whole province, with a total of 43.1 billion yuan of loans and 1.92 billion yuan of financial discount interest. 958,000 households, three million nine hundred and fifty-five thousand poor people benefited. In order to understand the implementation of the "precision poverty alleviation" special loan project, accurately grasp the efficiency and effectiveness of the use of loan funds. In order to fully understand the impact of loan projects on farmers' poverty alleviation and social and economic development, it is necessary to conduct in-depth analysis and comprehensive evaluation of the performance of loan funds. This paper is based on the nature of "precision poverty alleviation" special loan projects. Characteristics and performance evaluation requirements, designed the corresponding performance evaluation index system. Through the investigation of the "precision poverty alleviation" special loan project implementation, access to basic information. Using statistical analysis and other methods of data processing. From the organization management, capital efficiency, funds efficiency and sustainable development capacity four aspects. The comprehensive evaluation method is used to evaluate the performance of the "precision poverty alleviation" special loan project. The evaluation results show that the comprehensive performance of the "precision poverty alleviation" loan project in Gansu Province is "good". The performance of organization management is "very good", which indicates that the working procedure of loan is transparent, the organization has the ability, the management is in place, the supervision is perfect, the farmer is satisfied, the recognition is relatively high; The efficiency performance of loan funds is "better", indicating that loans are issued in a timely manner, and most of them are used in production and management activities, which has a certain crowning effect on social funds. The performance of loan funds benefit is "general", which indicates that although loans can promote the growth of farmers' income, the improvement of farmers' income structure is limited because of the low rate of return of loan funds. The performance of sustainable development capacity is "very good", indicating that the loan-receiving farmers are increasing their production skills and income steadily. According to the performance evaluation results of the "precision poverty alleviation" special loan, I think the project increases farmers' income. Local economic development has a greater role in promoting, but in the loan system arrangements, organization and management, the use of funds and risk prevention and other aspects of deficiencies. In view of the above problems, I proposed to optimize the institutional arrangements. Strengthen the organization management, innovate the working way, perfect the risk prevention and control mechanism and so on countermeasure suggestion.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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