我国金融扶贫的理论与对策——基于普惠金融视角

发布时间：2017-12-27 11:07

本文关键词：我国金融扶贫的理论与对策——基于普惠金融视角　出处：《改革与战略》2015年12期 　论文类型：期刊论文

【摘要】：普惠金融提倡各种金融机构共同参与,为所有人群提供合理而全面的金融服务;金融扶贫利用市场化手段推进扶贫,着重提高被扶贫对象的主观能动性,是我国未来连片特困地区扶贫的重要方式。两者之间在理论和现实层面具有内在的统一性,我国金融扶贫实践与普惠金融目标还存在较大差距。文章研究普惠金融与金融扶贫的内在联系,通过借鉴国外普惠视角下金融扶贫的发展经验,根据我国金融扶贫中存在的问题,对我国金融扶贫工作的开展提出发挥市场导向作用、注重政府在金融扶贫中的导向作用、加强信贷产品创新、加强农村金融法制、加强信用体系建设等建议。
[Abstract]:Inclusive financial promotion of a variety of financial institutions to participate in, to provide a reasonable and comprehensive financial services for all people; the use of market-oriented means to promote financial poverty alleviation, focus on improving the initiative is the poverty reduction target, is an important way for China's future contiguous poor areas of poverty alleviation. There is an inherent unity between the two in theory and reality, and there is still a big gap between the practice of financial poverty alleviation and the goal of Inclusive Finance in China. The inner link of inclusive financial and financial poverty alleviation, based on the experience of foreign development from the perspective of inclusive financial poverty, according to the existing financial poverty problem in China, on China's financial poverty alleviation work proposed to play the role of market orientation, the government in financial poverty alleviation in guiding role, strengthen product innovation, strengthen rural credit the financial legal system, strengthen the credit system construction proposal.
【作者单位】：湖南农业大学;
【基金】：国家社会科学基金项目“农村小型金融组织‘适应性’成长模式研究”(项目编号:12CJY063) 湖南省教育厅重点项目“普惠金融视角下连片特困地区金融扶贫研究——以武陵山区为例”(项目编号:15A092)阶段性成果
【分类号】：F832.2
【正文快照】： 改革开放以来,我国大力推进扶贫工作,随着《国家八七扶贫攻坚计划(1994—2000年)》和《中国农村扶贫开发纲要(2001—2010年)》的颁布与实施,扶贫事业取得了巨大的进步。我国农村贫困人口日益减少,收入稳步提升,贫困地区基础设施建设得到改善,社会事业不断进步,在大体上,农村居

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