济宁市农村金融扶贫问题研究

发布时间：2018-08-08 12:24

【摘要】：贫困是世界许多国家和地区所面临的难题,在中国也是党和政府多年来一直致力解决的难题。金融扶贫是消除社会贫困问题的一个重要法宝,很多国家都在广泛运用。我国实施金融扶贫已有30年的历史,但由于相关金融政策缺乏针对性,金融体系构建尚需继续完善,金融对我国扶贫开发的实际效果并不理想。2013年12月,党中央国务院提出要建立“精准扶贫”机制,“精准扶贫”机制已经成为当前我国完成扶贫攻坚任务的重要方略。金融精准扶贫这一课题也迅速引起社会各界的共同关注,如何让各金融机构和从业人员的作用得到充分发挥、让精准扶贫对象享受到精确的信贷扶持和服务成为金融扶贫改革中亟待解决的一大难题,也是一项需要重点攻克的问题。金融是我国扶贫开发战略体系的一个重要手段,金融精准扶贫在新一轮的十年扶贫开发工作中被寄予了很高的期望,担负着实现扶贫工作从“简单输血”向“自主造血”转变的重要使命。济宁市位于山东省西南部,为山东省经济欠发达区域,农村地区贫困人口占比相对较高,脱贫攻坚任务也比较艰巨。众所周知,经济社会发展离不开金融的强有力的支持,而且各级政府对如何做好金融精准扶贫工作亦进行了很多探索。所以,本文以济宁市为研究对象,以金融精准扶贫的大背景为切入点,通过对济宁市农村金融精准扶贫的实践进行研究,着重分析济宁市银行业机构开展的“富民农户贷”、“富民生产贷”的做法和实践效果,深入分析探讨济宁市当前农村金融精准扶贫实践中存在的问题,并找寻问题产生的原因。最后,提出完善济宁市农村金融精准扶贫的对策建议。
[Abstract]:Poverty is a difficult problem faced by many countries and regions in the world, and it is also a problem that the Party and the government have been trying to solve for many years. Financial poverty alleviation is an important magic weapon to eliminate social poverty, which is widely used in many countries. Financial poverty alleviation has been implemented in China for 30 years. However, due to the lack of pertinence of relevant financial policies, the construction of financial system needs to be further improved, and the actual effect of finance on poverty alleviation and development in China is not ideal. The Party Central Committee and the State Council put forward the establishment of the "precision poverty alleviation" mechanism, which has become an important strategy for our country to complete the task of helping the poor at present. The task of financial precision poverty alleviation has also rapidly aroused the common concern of all sectors of society. How to make the role of financial institutions and practitioners fully play a role, Getting accurate credit support and service to the target of accurate poverty alleviation has become a big problem to be solved urgently in the reform of financial poverty alleviation, and it is also a problem that needs to be solved. Finance is an important means of our country's poverty alleviation and development strategy system. In the new round of ten years of poverty alleviation and development work, the financial precision poverty alleviation is expected to be very high. To carry out the transformation of poverty alleviation from "simple blood transfusion" to "autonomous hematopoiesis". Jining is located in the southwest of Shandong Province, which is an underdeveloped region of Shandong Province. The proportion of poor people in rural areas is relatively high, and the task of getting rid of poverty is difficult. As we all know, economic and social development can not be separated from the strong support of finance, and governments at all levels have done a lot of exploration on how to do a good job of financial precision poverty alleviation. Therefore, this paper takes Jining City as the research object, takes the financial precision poverty alleviation background as the breakthrough point, through carries on the research to the Jining City countryside finance accurate poverty alleviation practice, emphatically analyzes the Jining City banking institution to carry on "the rich people farmer household loan". In this paper, the practice and effect of "rich people's production loan" are discussed, and the problems existing in the practice of accurate rural finance in Jining are analyzed and discussed, and the causes of the problems are found. Finally, the paper puts forward the countermeasures and suggestions to perfect Jining's rural financial precision poverty alleviation.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.4

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