河北省农村金融扶贫问题研究

发布时间：2018-06-21 07:18

本文选题：河北 + 农村　；参考：《河北师范大学》2014年硕士论文

【摘要】：贫困是世界级的难题，也是一直困扰我国发展的栓桔。金融扶贫是世界各国解决贫困问题的有力武器。与财政扶贫不同，金融扶贫更多的关注有发展意愿的、有生产能力的贫困群体。我国自上世纪80年代便开拓了金融扶贫的试验田，但是长期以来，由于体系不完善、保障不充分，金融扶贫一直未能发挥其应有作用，并在一定程度上拖累了金融机构的发展，造成了大量的不良贷款。当前，金融扶贫问题引起世界各国政府和学者的高度关注，金融扶贫在解决贫困问题上被给予了很高的期望，在全球面临贫困难题的情况下，金融扶贫成了应对贫困，促进经济发展方面的一剂良方。在此背景下，金融扶贫被各国所重视。本文以金融扶贫的背景为切入点，依据经济统计数据，研究了金融扶贫，并得出了相应的结论。本文试图从三个层面研究金融扶贫问题：一是国际层面上，不论是国内还是国外，都拥有相同的国际背景，即都面临着贫困这一难题；二是国内层面上，从扶贫任务、扶贫模式、扶贫力度、扶贫成效等方面分析河北省农村金融扶贫的发展现状，指出了存在问题；三是国际与国内相结合层面上，深入探讨国外的金融扶贫经验，并结合河北省的实际情况，提出我省农村发展金融扶贫的对策。本文首先从提出金融扶贫的背景入手，分析了金融扶贫的概念内涵，发展现状和面临的问题，并在此基础上对我省农村金融扶贫的发展，进行了实证分析，最后，提出了发展金融扶贫的政策建议。全文共分为五个部分：第一部分，金融扶贫的相关理论。这一部分对金融扶贫的含义及特征、金融结构理论、金融抑制与深化理论、农村信贷补贴理论、农村金融市场理论以及不完全竞争市场理论进行了概述。其中对各界学者提出的金融扶贫概念进行了汇总，并提出了作者自己对金融扶贫概念的理解，指出了金融扶贫的特点，即主体性、可持续性、市场性、创新性、商业性。同时分析了金融扶贫与财政扶贫的不同，即财政扶贫是通过政府间的层层传递开展的，而金融扶贫是通过金融机构来实现；财政扶贫较多的采用“输血”式补贴，而金融扶贫更多的是采用“造血”；财政扶贫更多的是政府干预，金融扶贫强调市场机制的作用；财政扶贫注重的是贫困人口的福利性需求，而金融扶贫注重的是贫困人口的自我增值、自我发展；政府财政扶贫资金是无偿性，而金融扶贫资金却有偿的。第二部分，河北省农村金融扶贫的发展历程、现状。这一部分是论文的主体内容，，也是深入分析河北农村金融扶贫的重点章节。这一部分对我省农村金融扶贫的发展历程的几个阶段进行了概述，即改革开放前的救济式扶贫阶段、经济体制改革减贫阶段、大规模开发式扶贫阶段、扶贫攻坚阶段、扶贫开发新阶段、新背景下的扶贫攻坚阶段。同时从扶贫模式、扶贫力度、扶贫成效等方面对河北农村金融扶贫现状进行了深入的分析。第三部分，河北省农村金融扶贫面临的问题。这一部分也是论文的主体内容，这一部分通过对我省农村金融扶贫的现状分析，指出了目前河北省农村金融扶贫面临的问题，主要有扶贫任务重、资金少、资金流失严重、担保体系不健全和金融环境差。第四部分，国内外发展农村金融扶贫的经验借鉴。这一部分写了当前国外以及国内其他省市发展金融扶贫措施，如孟加拉小额贷款、日本农协金融扶贫方式、宁夏“互助资金”金融扶贫模式、甘肃“双联惠农”贷款扶贫模式。通过对其分析指出我省农村发展金融扶贫应该借鉴的经验。第五部分，河北省农村金融扶贫的政策建议。这一部分先对河北省农村金融扶贫的发展原则进行了分析，即社会责任意识原则、明确目标群体原则、兼顾政策性与商业性的原则、正规金融与非正规金融功能互补的原则。然后提出来一些政策建议，主要有加大资金投入、遏制资金外流、健全农村金融体系、完善担保体系、改善农村金融环境等，以确保河北省农村金融扶贫的健康发展。
[Abstract]:Poverty is a world-class problem and a bolt oranges that have plagued the development of our country. Financial poverty alleviation is a powerful weapon to solve poverty problems all over the world. Unlike financial poverty alleviation, financial aid to poverty is more concerned with the development will and productive poor groups. Since 80s, China opened up the experimental field of financial poverty alleviation, but For a long time, owing to imperfect system and inadequate security, financial poverty alleviation has not been able to play its due role and, to a certain extent, has dragged the development of financial institutions and caused a large number of non-performing loans. At present, the problem of financial poverty alleviation has aroused great concern from governments and scholars all over the world, and financial poverty alleviation has been given to the problem of solving poverty. In the context of the global face of poverty, financial poverty alleviation has become a good prescription to cope with poverty and promote economic development. In this context, financial poverty alleviation has been paid much attention by all countries. This paper, based on the background of financial poverty alleviation, studies financial poverty alleviation based on economic statistics and draws corresponding conclusions.
This article tries to study the problem of financial poverty alleviation from three aspects: first, at the international level, both at home and abroad, both have the same international background, that is, the problem of poverty is faced, and the two is to analyze the development of rural financial poverty alleviation in Hebei province from the aspects of poverty alleviation, poverty alleviation, poverty alleviation, and poverty alleviation. The present situation, points out the existing problems; three is the combination of international and domestic, in-depth study of foreign financial poverty alleviation experience, and combined with the actual situation in Hebei Province, put forward the Countermeasures of rural development financial poverty alleviation. First of all, this paper, starting with the background of financial poverty alleviation, analyzes the concept of financial poverty alleviation, development status and face. On the basis of this, we made an empirical analysis of the development of rural financial poverty alleviation in our province, and finally put forward policy recommendations for developing financial assistance to the poor.
The full text is divided into five parts:
The first part is the related theory of financial poverty alleviation. This part summarizes the meaning and characteristics of financial poverty alleviation, the theory of financial structure, the theory of financial restraint and deepening, the theory of rural credit subsidy, the theory of rural financial market and the theory of incomplete competition market. The author puts forward the author's understanding of the concept of financial poverty alleviation, and points out the characteristics of financial poverty alleviation, namely, subjectivity, sustainability, market, innovation, and commercial nature. At the same time, it analyses the difference between financial poverty alleviation and financial poverty alleviation, that is, financial poverty alleviation is carried out through inter governmental transmission, and financial poverty alleviation is realized through financial institutions. The financial aid to the poor is to adopt the "blood transfusion" subsidy, while the financial aid to the poor is to adopt the "hematopoiesis"; the financial aid for the poor is the government intervention, the financial poverty alleviation emphasizes the role of the market mechanism; the financial poverty alleviation pays attention to the welfare demand of the poor people, and the financial aid to the poor is the self increment and self development of the poor people. The government's financial poverty alleviation funds are free, while the funds for financial aid for the poor are paid.
The second part, the development process of rural financial poverty alleviation in Hebei Province, the status quo. This part is the main content of the paper, and is also the key section of the in-depth analysis of the rural financial poverty alleviation in Hebei. This part summarizes the stages of the development of rural financial poverty alleviation in our Province, namely, the stage of relief poverty alleviation and the economic system before the reform and opening up. The reform of poverty reduction stage, large-scale development of poverty alleviation, poverty alleviation of poverty alleviation and development stage, new stage, new stage under the background of tackling poverty alleviation. At the same time from the poverty alleviation mode, poverty relief, poverty alleviation achievements carried out in-depth analysis on the current situation of Hebei rural financial poverty.
The third part, the problems facing the rural financial poverty alleviation in Hebei province. This part is also the main content of the paper. Through the analysis of the current situation of rural financial poverty alleviation in our province, this part points out the problems facing the rural financial poverty alleviation in Hebei Province, which mainly include the task of helping the poor, the less capital, the loss of funds, the imperfect guarantee system and the finance. The environment is poor.
The fourth part, the experience of the development of rural financial poverty alleviation at home and abroad. This part has written the current foreign and other domestic and other provinces and cities to develop financial poverty alleviation measures, such as Bangladeshi small loans, Japan Agricultural Association financial poverty alleviation mode, Ningxia "mutual fund" financial poverty alleviation mode, Gansu "double Hui farmers" loan poverty alleviation mode. The paper points out the experience that we should learn from the financial development of the rural areas in our province.
The fifth part, the policy suggestions of rural financial poverty alleviation in Hebei province. This part first analyzes the principles of the development of rural financial poverty alleviation in Hebei Province, namely, the principle of social responsibility consciousness, the principle of target group, the principle of both policy and commercial nature, the principle of complementation between regular Finance and non regular financial function. The main policy proposals to increase capital investment, to curb the outflow of funds, improve the rural financial system, perfecting the guarantee system, improve the rural financial environment, to ensure the healthy development of rural finance in Hebei province to help the poor.
【学位授予单位】：河北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F323.8

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