屏南县金融扶贫现状、问题及优化研究

发布时间：2018-04-21 02:32

本文选题：金融扶贫 + 现状　；参考：《福建农林大学》2017年硕士论文

【摘要】：金融扶贫是精准扶贫的有效形式。屏南县是23个省级扶贫开发工作重点县之一,也是全国第二批农村改革试验区,承担扶贫开发综合改革试点任务,本研究以屏南县小额信贷扶贫为视角,探讨屏南县金融扶贫的现状、问题和优化路径。研究发现,屏南县金融扶贫存在的现状包括:金融服务机制不断创新、扶贫信贷投入量持续增长、金融产品和服务不断创新、信用体系建设不断加快、贷款担保体系逐渐完善、金融扶贫与产业发展深度融合。然而,在对屏南县小额信贷金融扶贫绩效的实证分析的基础上,提出屏南县金融扶贫存在着参与信贷扶贫的金融机构主体有限、贫困户贷款有效需求不足、扶贫资金整合不足、金融扶贫潜在风险仍然存在、金融扶贫队伍建设有待加强等问题。为此,本研究提出鼓励引导更多金融机构参与信贷扶贫、激活贫困户贷款有效需求、促进扶贫资金有效整合、完善风险补偿机制、加快金融扶贫队伍建设等对策。
[Abstract]:Financial poverty alleviation is an effective form of precision poverty alleviation. Pingnan County is one of the 23 key counties in poverty alleviation and development at the provincial level, and it is also the second batch of rural reform pilot areas in the country, undertaking the pilot task of comprehensive reform in poverty alleviation and development. This study takes the perspective of poverty alleviation by micro-credit in Pingnan County. This paper discusses the present situation, problems and optimized paths of financial poverty alleviation in Pingnan County. It is found that the present situation of financial poverty alleviation in Pingnan County includes: continuous innovation of financial service mechanism, sustained growth of credit input, innovation of financial products and services, accelerated construction of credit system, and gradual improvement of loan guarantee system. Financial poverty alleviation and industrial development are deeply integrated. However, on the basis of the empirical analysis of the poverty alleviation performance of microfinance finance in Pingnan County, it is pointed out that there are limited financial institutions involved in credit poverty alleviation in Pingnan County, insufficient effective demand for loans from poor households and insufficient integration of poverty alleviation funds. The potential risk of financial poverty alleviation still exists, and the construction of financial poverty alleviation team needs to be strengthened. Therefore, this study puts forward some countermeasures such as encouraging more financial institutions to participate in credit poverty alleviation, activating the effective demand for loans from poor households, promoting the effective integration of poverty alleviation funds, perfecting the risk compensation mechanism, and speeding up the construction of financial poverty alleviation teams.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.4

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