汉台区贫困村互助资金协会绩效评价与政策优化

发布时间：2018-05-04 22:33

本文选题：汉台 + 互助资金协会　；参考：《西北农林科技大学》2017年硕士论文

【摘要】：贫困村互助资金是指以财政扶贫资金为引导,村民自愿按一定比例交纳的互助金为依托,无任何附加条件的社会捐赠资金为补充,在贫困村建立的民有、民用、民管、民享、周转使用的生产发展资金。作为农村金融的一种模式,自2006年国务院扶贫办和财政部共同试点推广以来,逐步发展为贫困地区解决农户融资困难的有效手段。汉台区自2009年开始试点组建贫困村互助资金协会,在金融扶贫的道路上取得了初步成效。2015年底,中共中央、国务院印发《关于打赢脱贫攻坚战的决定》,吹响了脱贫攻坚战冲锋号。秦巴山区是全国重点脱贫攻坚区域之一,汉中市又是秦巴山区重点脱贫地市,汉台区作为汉中市的中心城区,尽管不是国定贫困县,但截止2015年底仍有48个村1.46万群众处于贫困线之下。如何在上级安排扶贫项目少,扶贫资金投入少,区级财力有限的情况下,利用现有资源,壮大贫困村互助资金协会组织,探索出一条可供同类地区借鉴的金融扶贫之路,是汉台区在打赢脱贫攻坚战的征途中亟需研究解决的重点课题之一。本文首先从贫困村“发展生产互助资金”的背景及相关理论入手,分别从区域经济发展、不完全竞争市场、合作经济等与生产互助资金相关的理论进行探讨。然后,依次介绍了汉台区经济社会发展情况、扶贫工作开展情况以及发展生产互助资金试点的实际运行情况。通过对9个互助资金协会进行实地调查,从一个侧面解剖了汉台区贫困村互助资金发展现状。并集中选取了8项绩效指标(社会绩效指标:贫困户入社率、借款贫困户数;财务绩效指标:借款占用费收入;投入指标:互助资金总额、管理人员数量、总支出;其他控制变量:有无主导产业、有无技术支持)进行分析,找到了影响当地协会发展绩效的原因。同时,梳理出贫困户参与程度不高、互助资金来源渠道单一、协会运行管理不规范、扩面资金缺口较大、风险防控存在隐患等5个方面问题,提出了鼓励群众广泛参与、拓宽资本金来源渠道、扩大贫困村资金互助协会项目覆盖面、出台互助资金奖罚办法、探索建立风险规避机制、加强交流培训、强化协会管理7项优化对策建议,最终希望这些建议能够为推动汉台区贫困村互助资金协会建设有所帮助。
[Abstract]:Mutual aid funds for poor villages refer to the people, civilian, civil, administrative, and public welfare funds set up in poor villages, which are guided by financial poverty alleviation funds, supported by mutual assistance funds voluntarily paid by villagers in a certain proportion, supplemented by social donation funds without any additional conditions, Working capital for production and development. As a model of rural finance, the poverty alleviation office of the State Council and the Ministry of Finance have developed into an effective means to solve the financing difficulties of farmers in poverty-stricken areas since the joint pilot promotion of the Office of the State Council and the Ministry of Finance in 2006. The Hantai District started to set up the Poor Village Mutual Fund Association on a pilot basis in 2009. It has achieved initial results on the road of financial poverty alleviation. At the end of 2015, the CPC Central Committee, The State Council issued the decision on winning the battle against poverty and difficulty, which sounded the name of the battle against poverty. Qinba Mountain area is one of the key poverty relief areas in the country. Hanzhong City is also a key poverty relief city in Qinba Mountain area. Hantai District is the central urban area of Hanzhong City, although it is not a poverty-stricken county designated by the state. But by the end of 2015, 14600 people in 48 villages remained below the poverty line. How to make use of existing resources to strengthen the organization of mutual funds associations in poor villages in order to explore a way for similar regions to learn from the financial poverty alleviation under the circumstances that the higher level arranges poverty alleviation projects less, the funds for poverty alleviation investment is less, and the district financial resources are limited, and use the existing resources to strengthen the organizations of mutual funds associations in poor villages It is one of the most important research topics in Hantai area in order to win the battle against poverty. This paper starts with the background and relevant theories of "developing mutual fund of production" in poor villages, and discusses the theories of regional economic development, incomplete competition market, cooperative economy and so on. Then, the paper introduces the economic and social development of Hantai District, the development of poverty alleviation and the actual operation of the development of production mutual funds. Through the field investigation of 9 mutual fund associations, this paper dissects the present situation of mutual aid fund development in poor villages of Hantai district from one side. And selected 8 performance indicators (social performance indicators: social performance indicators: poor households, loan poor households; financial performance indicators: borrowing expenses income; input indicators: mutual funds total, the number of management personnel, total expenditure; Other control variables: whether there is a leading industry, whether there is technical support) were analyzed to find out the reasons that affect the development performance of local associations. At the same time, five problems, such as the poor households' participation degree is not high, the source of mutual aid funds is single, the operation and management of the association is not standardized, the fund gap is large, the risk prevention and control is hidden, and so on are pointed out, and it is proposed that the masses should be encouraged to participate extensively. We should broaden the channels of capital sources, expand the project coverage of mutual fund associations in poor villages, issue measures for mutual fund rewards and penalties, explore the establishment of a risk-averse mechanism, strengthen exchange and training, and strengthen the management of the association. Finally, I hope these suggestions can help promote the construction of mutual fund association of poor villages in Hantai District.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.35

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