ZMD市涉农银行金融扶贫问题研究

发布时间：2018-03-29 23:21

本文选题：涉农银行　切入点：金融扶贫　出处：《郑州大学》2016年硕士论文

【摘要】：消除绝对贫困、逐步改善民生、最终实现共同富裕,是社会主义的本质要求。截至目前,按照中国最新扶贫标准(年农民人均纯收入2800元),我国还有贫困人口7000多万人,扶贫开发任重道远。新时期的金融扶贫工作要求金融机构要准确关注脱贫攻坚任务中的重点人群和重点任务,实现金融需求的精准对接,创新金融服务体制和政策措施,不断提升工作质量和效率,坚持精准支持与整体带动相结合,协调金融政策与扶贫政策,坚持创新发展与风险防范统筹,以发展普惠金融为根基,不断推动贫困地区金融服务到户到人,力争让每一个符合条件且有信贷需求的贫困人口都能便捷获得贷款,努力让每一个有金融服务需求的贫困人口都能便捷享受到现代金融服务,为2020年打赢脱贫攻坚战、全面建成小康社会提供强有力的金融支撑。河南省是我国扶贫的主战场之一,截至2015年底,全省尚有53个贫困县、8103个贫困村、440万贫困人口,要实现如期脱贫,任务十分艰巨。具体到ZMD市,截至目前,全市还有7个贫困县、682个贫困村,44.5万贫困人口,全市市贫困人口总量占全省近十分之一,是全省扶贫开发形势最为严峻的省辖市之一,扶贫攻坚离不开金融机构的积极参与,尤其作为农业大市,ZMD市更是离不开涉农银行的深度参与。重点是要积极探索创新金融扶贫机制,围绕解决贫苦户担保难、贷款难问题,以产业带动为重点,做大做强扶贫特色的龙头产业、优势产业,加快贫困地区、贫困人口的增收致富步伐。本文以涉农银行的金融扶贫为研究对象,围绕涉农金融机构如何突出精准扶贫这一关键,综合运用区域经济学、发展经济学、统计学、金融学、宏观经济学、微观经济学等金融理论,采用案例分析、定量分析与定性分析相结合等研究方法,并借助数据等表达方法对金融扶贫工作开展的现状入手,利用调查数据进行深入分析,从而提出切合辖区实际,可操作性强的解决方案和对策,对辖区加快转变金融扶贫开发方式,构建金融机构、市场、政府和社会协同推进的金融扶贫大格局,并以此促进贫困地区经济社会发展,打赢脱贫攻坚战有着重要的现实意义。
[Abstract]:Eliminating absolute poverty, gradually improving people's livelihood, and ultimately achieving common prosperity are essential requirements of socialism. Up to now, according to China's latest poverty alleviation standards (annual per capita net income of farmers is 2800 yuan), China still has more than 70 million poor people. Poverty alleviation and development have a long way to go. In the new era, financial aid work requires financial institutions to pay close attention to the key people and key tasks in the task of overcoming poverty, to realize the precise docking of financial needs, and to innovate the financial service system and policy measures. Continue to improve the quality and efficiency of work, adhere to the combination of accurate support and overall driving, coordinate financial policies with pro-poor policies, insist on innovative development and overall coordination of risk prevention, and base on the development of inclusive finance. Continue to promote financial services to households in poor areas, and strive to provide easy access to loans to every eligible and needy population with credit needs. Strive to enable every poor population with financial service needs to have easy access to modern financial services, and provide a strong financial support for winning the battle against poverty in 2020 and building a well-off society in an all-round way. Henan Province is one of the main battlefields for poverty alleviation in China. By the end of 2015, there were 53 poor counties, 8103 poor villages, and 4.4 million poor people in the province. The task of getting rid of poverty on schedule is very arduous. In ZMD, there are still 682 poor villages and 445000 poor people in 7 poor counties. The total number of poverty-stricken people in the whole city accounts for nearly 1/10 in the whole province, and it is one of the most serious provinces in the province in the situation of poverty alleviation and development. Poverty alleviation cannot be achieved without the active participation of financial institutions. Especially as a big agricultural city, the city of ZMD cannot be separated from the deep participation of agricultural banks. The key is to actively explore and innovate the mechanism of financial poverty alleviation, focusing on solving the problems of poor households' guarantee and loans, and focusing on industry-driven. Expand and strengthen the leading industries with the characteristics of poverty alleviation, superior industries, speed up the pace of income and enrichment of poor areas and poor people. This paper takes the financial poverty alleviation of the agriculture-related bank as the research object, and revolves around the key point of how the agriculture-related financial institutions highlight the precision poverty alleviation. Comprehensive use of regional economics, development economics, statistics, finance, macroeconomics, microeconomics and other financial theories, using case analysis, quantitative analysis and qualitative analysis and other research methods, With the help of data and other expression methods, this paper starts with the current situation of financial poverty alleviation work, and makes in-depth analysis of the survey data, and then puts forward solutions and countermeasures that are suitable for the actual situation of the area under the jurisdiction and have strong maneuverability. It is of great practical significance to accelerate the transformation of financial poverty alleviation and development mode, to construct the financial poverty alleviation pattern promoted by financial institutions, markets, governments and society, and to promote the economic and social development of poor areas, and to win the fight against poverty.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F323.8;F832.43

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