银行精准扶贫效率评价及影响因素研究——以福建南平为例

发布时间：2018-06-12 03:51

本文选题：金融扶贫 + 效率评价　；参考：《金融监管研究》2017年01期

【摘要】：本文以福建南平五个省级重点扶贫开发县为样本,对银行精准扶贫效率展开了一系列定量及定性分析。结果表明,随着扶贫工作的推进和监管引导力度的加大,银行精准扶贫效率在逐步提升;但其精准度仍不理想,存在对贫困对象信息、需求掌握不全与扶贫小额信贷覆盖比例偏低等问题。在此基础上,本文进一步进行了对影响扶贫效率的因素进行了定量与定性相结合的实证研究。研究发现,金融创新环境、财政支持力度、信息交流机制与信用风险状况等是影响银行精准扶贫效率的重要因素。最后,本文建议,应加大信贷资金、监管考评与政府相关工作机制的精准对接,以破解阻碍银行精准扶贫效率提升的根本问题,提高银行精准扶贫的实效。
[Abstract]:Taking the five provincial key poverty alleviation counties in Nanping, Fujian as the sample, this paper has carried out a series of quantitative and qualitative analysis on the efficiency of the precision poverty alleviation of the bank. The results show that the efficiency of precision poverty alleviation is gradually improved with the promotion of poverty alleviation work and the increase of supervision and guidance, but the precision of the bank is still not ideal and there is information on the poor. On the basis of this, this paper makes an empirical study on the factors affecting the efficiency of poverty alleviation by combining quantitative and qualitative analysis. The research finds that the financial innovation environment, financial support, information exchange mechanism and credit risk condition are the influence of bank essence. In the end, it is suggested that credit funds should be increased, and the precise docking of supervision and evaluation and government related work mechanism should be made to solve the fundamental problems that impede the improvement of the efficiency of the accurate poverty alleviation of the banks and to improve the effectiveness of the accurate poverty alleviation of the banks.
【作者单位】：中国银监会福建监管局南平分局;
【分类号】：F224;F323.8;F832.4

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