京津冀金融协同精准扶贫对策建议

发布时间：2018-04-08 17:13

本文选题：金融扶贫　切入点：精准扶贫　出处：《河北大学》2017年硕士论文

【摘要】：京津冀协同发展已上升为国家战略,金融作为资源配置的有效方式对经济发展有着不可替代的作用,所以京津冀金融协同也成为京津冀协同发展中不可或缺的一部分。在京津冀的某些地区贫困问题依然十分严重,金融扶贫是世界各国解决贫困问题的有力武器,在京津冀协同发展的大背景下利用金融协同解决京津冀贫困问题就更有可为。近年来精准扶贫被提出,它是在原有扶贫方式的基础上更注重"精确识别、精确帮扶、精确管理",以期达到更好的扶贫效果。本文将京津冀金融协同、金融扶贫、精准扶贫创造性的联系起来,共同组成京津冀金融协同精准扶贫,即在京津冀区域内协同三地金融资源以更精准的方式共同扶贫。本文首先分析了京津冀金融协同精准扶贫的必要性与可行性。必要性主要指京津冀金融协同精准扶贫有利于京津冀经济金融协同发展及京津冀政治社会稳定。可行性介绍了京津冀金融协同精准扶贫的政策支持,京津冀良好的合作基础及京津与河北巨大的合作空间。然后本文分析了京津冀金融协同精准扶贫的现状。主要包括三地金融业差距巨大、区域金融合作频繁和金融机构专项支持。之后本文介绍了京津冀金融协同精准扶贫存在的问题及原因。问题包括金融资源重布落户贫困区难、金融精准扶贫协作不足、金融资金配置产业不精准和金融资金难以精准扶持贫困户。造成以上问题的原因为金融扶贫成本高、金融协同精准扶贫缺乏统一规划、金融资金不青睐扶贫产业和金融资金直接扶持贫困户风险大。最后,本文提出京津冀金融协同精准扶贫的对策。第一,加大京津冀金融协同精准扶贫的政策支持,即政策引导京津资本进入河北贫困地区、财政扶贫政策与金融扶贫政策相结合;第二,加强京津冀金融协同精准扶贫统一规划,即推动京津冀区域内金融基础设施建设、加强京津冀金融协同精准扶贫的顶层设计;第三,促进金融资金配置扶贫产业,即提高扶贫产业对金融资金的吸引力、提高扶贫产业金融资金运作效率、制定相关配套政策引导金融资金;第四,提高京津冀贫困人口还款率,即发展贫困地区农业保险和风险对冲机制、提高贫困人口文化程度、加强贫困地区信用管理体系建设。
[Abstract]:The coordinated development of Beijing-Tianjin-Hebei has become a national strategy, and finance, as an effective way of allocating resources, plays an irreplaceable role in the economic development, so the Beijing-Tianjin-Hebei financial coordination has also become an indispensable part of the Beijing-Tianjin-Hebei cooperative development.In some areas of Beijing, Tianjin and Hebei, the problem of poverty is still very serious. Financial poverty alleviation is a powerful weapon to solve the poverty problem in various countries in the world. Under the background of the coordinated development of Beijing-Tianjin-Hebei, it is more feasible to solve the poverty problem of Beijing-Tianjin-Hebei by using financial cooperation.In recent years, precision poverty alleviation has been put forward, which is based on the original poverty alleviation methods and pays more attention to "accurate identification, accurate help and accurate management", in order to achieve better poverty alleviation effect.In this paper, the Beijing-Tianjin-Hebei financial coordination, financial poverty alleviation, precision poverty alleviation creative link together to form a Beijing-Tianjin-Hebei financial coordination and precision poverty alleviation, that is, in the Beijing-Tianjin-Hebei region to cooperate with the three financial resources in a more accurate way together to help the poor.This paper first analyzes the necessity and feasibility of Beijing-Tianjin-Hebei financial coordination and precision poverty reduction.The necessity of Beijing-Tianjin-Hebei financial coordination and poverty alleviation is beneficial to the economic and financial coordination and the political and social stability of Beijing-Tianjin-Hebei.The feasibility of this paper introduces the policy support of Beijing, Tianjin and Hebei financial cooperation, the good foundation of cooperation between Beijing, Tianjin and Hebei, and the huge cooperation space between Beijing, Tianjin and Hebei.Then this paper analyzes the current situation of Beijing-Tianjin-Hebei financial cooperation and precision poverty alleviation.Mainly including the three financial sector gap, frequent regional financial cooperation and financial institutions special support.Then this paper introduces the problems and causes of Beijing-Tianjin-Hebei financial cooperation and precision poverty reduction.The problems include the difficulty of relocating financial resources to poor areas, the insufficient cooperation of financial precision in poverty alleviation, the inaccuracy of financial capital allocation industry and the difficulty of financial funds to support the poor households with precision.The reasons for the above problems are the high cost of financial poverty alleviation, the lack of unified planning of financial coordination and precision poverty alleviation, and the risk that financial funds do not favor poverty alleviation industries and financial funds directly support poor households.Finally, this paper puts forward the countermeasures of Beijing-Tianjin-Hebei financial cooperation and precision poverty reduction.First, increase the policy support of Beijing, Tianjin and Hebei financial cooperation and precision poverty alleviation, that is, policies to guide the capital of Beijing and Tianjin into the poor areas of Hebei, and combine the financial poverty alleviation policy with the financial poverty alleviation policy; second,To strengthen the unified planning of the Beijing-Tianjin-Hebei financial coordination and precision poverty alleviation, that is, to promote the construction of financial infrastructure in the Beijing-Tianjin-Hebei region, and to strengthen the top-level design of the Beijing-Tianjin-Hebei financial coordination and precision poverty alleviation; third, to promote the allocation of financial funds to the poverty alleviation industry.That is, to improve the attraction of pro-poor industries to financial funds, to improve the operational efficiency of pro-poor industrial financial funds, to formulate relevant supporting policies to guide financial funds; fourthly, to increase the repayment rate of poor people in Beijing, Tianjin and Hebei.That is, to develop agricultural insurance and risk hedging mechanism in poor areas, to improve the education level of the poor population, and to strengthen the construction of credit management system in poor areas.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.8;F832.4

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