精准扶贫背景下农村普惠金融创新发展研究

发布时间：2018-05-01 09:26

本文选题：精准扶贫 + 普惠金融　；参考：《理论探讨》2017年01期

【摘要】：农村金融普惠程度的提升有效缓解了农村金融供需矛盾,其创新模式"资金互助合作社"不仅从农村内部直接缓解了融资难、融资贵的问题,而且有效地改善了中低收入和贫困人口的生活质量。从理论层面结合试点实践全面论述了精准扶贫背景下的农村普惠金融创新发展情况,研究表明,农村普惠金融的创新发展强化了精准扶贫效果,后期发展的重点在于小微非正规的合作金融;基于产业支撑的金融扶贫才能保持"造血"功能,避免短期的政策脱贫;虽然当前农村普惠金融创新试点存在着运营经验不足和外部制度缺陷问题,但其金融核心功能发挥良好,值得进一步培育。针对研究结果,从运营推广、制度建设、外部保障方面提出了助推农村普惠金融良性发展的举措建议。
[Abstract]:The promotion of rural financial inclusion has effectively alleviated the contradiction between supply and demand of rural finance, and its innovative mode, "mutual fund cooperative", not only directly alleviates the difficulty of financing and the problem of expensive financing from within the countryside, Moreover, it has effectively improved the quality of life of low-and middle-income and poor people. This paper comprehensively discusses the innovation and development of rural inclusive finance under the background of precision poverty alleviation from the theoretical level and the pilot practice. The research shows that the innovative development of rural inclusive finance strengthens the effect of precision poverty alleviation. The emphasis of the later development is the small informal cooperative finance, the financial poverty alleviation based on industry support can maintain the function of "hematopoiesis" and avoid short-term policy to get rid of poverty. Although the current pilot projects of inclusive financial innovation in rural areas are deficient in operation experience and external institutional defects, their financial core functions play a good role and are worthy of further cultivation. In view of the research results, this paper puts forward some measures to promote the healthy development of rural inclusive finance from the aspects of operation and promotion, system construction and external guarantee.
【作者单位】：西南财经大学中国西部经济研究中心;
【基金】：国家社科基金项目“省直管县体制下的县乡政府的角色定位与职能转换研究”(11XGL007) 四川循环经济研究中心2015年度项目“四川有机农业模式调查分析”(XHJJ-1509)阶段性成果
【分类号】：F832.35

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