我国金融精准扶贫的激励约束机制研究

发布时间：2018-02-10 21:13

本文关键词： 金融精准扶贫激励约束金融机构贫困户　出处：《金融理论与实践》2017年11期 　论文类型：期刊论文

【摘要】：激励约束机制是金融精准扶贫高效开展的重要条件。模型证明,政府在金融精准扶贫中对金融机构实施激励约束的效果要好于直接把扶贫资金补贴给贫困户,政府对金融机构实施激励约束政策能有效解决金融机构参与金融扶贫的持续性差、动力不足问题。当前,受金融精准扶贫的政策性目标与金融机构经营目标不匹配、贫困地区金融生态环境不改善等因素影响,我国金融精准扶贫存在约束过度与约束缺位并存、激励不足等问题。为此,在构建金融精准扶贫的激励约束机制时,应坚持政府引导、金融机构为主体,市场运作、改革创新,突出重点、统筹兼顾,金融扶贫为主、财政扶贫为辅等原则,从优惠政策扶持、财政扶贫资金投入、风险救助补偿、金融生态环境培育等方面入手建立激励机制,从差异化金融扶贫监管、财政扶贫资金监督管理、金融精准扶贫科学考核等方面着手建立约束机制。
[Abstract]:Incentive mechanism is an important condition for financial development. High precision poverty model showed that the government in the financial poverty alleviation precise financial institutions better implementation of incentive and restraint in directly to the poverty alleviation fund subsidies to poor households, the implementation of government incentive policy can effectively solve the persistent financial institutions involved in financial poverty alleviation and difference of financial institutions, problems power. At present, the policy objectives of financial institutions and financial management target, accurate poverty alleviation in poor areas, financial ecological environment improvement and other factors, China's financial constraint and constraint over the precise poverty absence coexist, the lack of incentive problems. Therefore, in the construction of the incentive and restraint mechanism of financial precise poverty alleviation, should adhere to the guidance of the government, financial institutions as the main body, market operation, reform and innovation, focus, overall planning, financial poverty, poverty alleviation and other primary financial supplement Then, the support from the preferential policies, the financial poverty relief funds, risk relief compensation, financial ecological environment and fostering of establishing incentive mechanism, from the difference of financial poverty alleviation and supervision, supervision and management of financial funds, financial and other aspects of poverty alleviation accurate scientific assessment to establish restraint mechanism.

【作者单位】：中国人民银行固原市中心支行;
【分类号】：F323.8;F832.4

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