甘肃省农村扶贫互助资金管理模式研究

发布时间：2018-05-06 11:31

本文选题：扶贫 + 互助资金　；参考：《甘肃农业大学》2015年硕士论文

【摘要】：甘肃省作为西部地区典型的欠发达省份,普遍贫困是其经济发展落后的主要特征,而资金又是制约和阻碍贫困地区经济社会发展与缩减贫困程度的关键性因素之一。从20世纪50年代开始,在相当长的一个时期内,财政资金作为扶贫资金的唯一来源,起着无可替代的作用。但是财政资金扶贫模式往往伴随着资金规模受限、资金运用低效率性等诸多问题,而农户对单向输入式的财政扶贫资金过分依赖,使该种扶贫模式难以彻底消除农户的贫困根源。随着农户农业经营结构的调整,财政扶贫资金总量已经不能满足扶贫的需要,正规金融机构资金的引入曾起到补充了扶贫资金的作用。然而至2009年,正规金融机构的商业化进程加剧,农村金融机构逐渐撤出农村地区,农村资金外流加速。为了解决农村地区面临的普遍贫困及其对应的资金供需失衡的问题,在贫困地区建立互助资金组织能够在一定程度上缓解农村地区贫困农户在脱贫过程中存在的资金短缺状况,打破由于资金短缺形成的贫困性循环。甘肃省在2006年积极探索建立“贫困村村级发展互助资金”组织,扶贫互助资金组织的运行虽然在一定程度上缓解了贫困农户生产资金短缺的问题,但是互助资金组织的资金来源仍依赖于财政供给,存在诸多劣势的“输血式”扶贫本质未有根本性改变,该问题的克服与互助资金制度的建立与完善及相关制度实施的效率性密切相关。基于此,本文选取甘肃省农村扶贫互助资金管理模式作为研究对象。本文第二章运用文献查阅法与案例分析法,对甘肃省村级扶贫互助资金组织发展初期具有代表性的互助资金管理模式的优势和不足进行分析和总结,得出财政主导的互助资金模式的本质仍然是“输血式”扶贫,该种模式的扶贫效用易受到多种不利因素的制约,需进一步进行改进。第三章在查阅文献的基础上,以案例分析的形式对甘肃省庆阳市扶贫互助资金新模式——合作金融支持产业扶贫模式进行分析和总结,发现该模式在融资渠道、担保机制、参与式扶贫、风险管理机制方面的具有优势,然而从模式具体实施情况中分析发现,其在资金运行流程、资金用途监管、风险控制方面仍有不足。第四章运用SWOT战略分析方法对甘肃省农村扶贫互助资金组织可持续发展的环境进行了分析,得出甘肃省扶贫互助资金组织)运行中出现的问题,并对互助资金管理模式提出相应的战略对策。第五章结合二、三章对各类扶贫互助资金管理模式的经验、不足与启示的总结,以及扶贫互助资金组织可持续发展分析,探索性的对现阶段互助资金管理模式进行补充,提出了基于合作金融支持产业扶贫的模式,依托资金瞄准、资金管理、资金融通、农业保险四种补充机制的农村扶贫互助资金管理模式。在结合甘肃省金融扶贫能力缺失、特色农业产业逐渐发展壮大、农户经营从拐杖经营向专职特色生产为主的省情特点后,表明改进后的互助资金管理模式具有推广价值。
[Abstract]:As a typical underdeveloped province in the western region, Gansu province is the main characteristic of its backward economic development, and capital is one of the key factors that restrict and hinder the economic and social development of poor areas and reduce the degree of poverty. From 1950s, in a long period of time, financial funds were used as the poverty alleviation funds. The only source is the irreplaceable role, but the mode of financial capital poverty alleviation is often accompanied by a limited number of funds, low efficiency and many other problems, and the farmers are too dependent on the one-way input of the financial aid to the poor, which makes it difficult to eliminate the poverty root of the farmers. The total amount of financial aid to the poor has been unable to meet the needs of poverty alleviation. The introduction of funds from regular financial institutions has played a supplement to the role of poverty alleviation funds. However, by 2009, the commercial process of the regular financial institutions was intensified, rural financial institutions were gradually withdrawing from rural areas, and rural capital outflows accelerated. Facing the general poverty and its corresponding fund supply and demand imbalance, the establishment of mutual fund organization in poor areas can alleviate the shortage of funds in the process of poverty alleviation in rural areas to a certain extent, and break the poverty cycle caused by the shortage of funds. In 2006, Gansu province actively explored and established a "poor village". Although the operation of the village level development mutual funds "organization, the operation of poverty alleviation fund organization has alleviated the shortage of poor farmers' production funds to a certain extent, but the sources of mutual funds still depend on the financial supply, there are many inferior" blood transfusion "poverty alleviation this quality has not been fundamentally changed, the problem is overcome and mutual. The establishment and improvement of the aid fund system is closely related to the efficiency of the implementation of the related system. Based on this, this paper selects the rural poverty alleviation and mutual fund management model of Gansu Province as the research object. The second chapter of this paper has representative mutual assistance in the early development of the village level poverty alleviation and mutual aid fund organization in Gansu province by using the method of literature review and case analysis. The advantages and disadvantages of the mode of capital management are analyzed and summarized, and the essence of the mode of financial led mutual fund is still "blood transfusion", the utility of poverty alleviation in this model is easily restricted by many adverse factors and needs further improvement. The third chapter is on the basis of Cha Yuewen's contribution to Gansu Province in the form of case analysis. The new model of poverty alleviation and mutual assistance in Qingyang, the cooperative financial support industry supporting the poverty alleviation model, has been analyzed and summarized, and found that the model has advantages in financing channels, guarantee mechanism, participatory poverty alleviation and risk management mechanism. However, it is analyzed from the specific implementation of the model, which is in the operation process of funds, the supervision of the use of funds, and the risk. There are still shortcomings in the control. The fourth chapter analyzes the environment of the sustainable development of the rural poverty alleviation and mutual fund organization in Gansu province by using the method of strategic analysis in Gansu Province, draws the problems arising in the operation of Gansu's poverty alleviation and mutual fund organization, and puts forward the strategic countermeasures to the mode of mutual fund management. The fifth chapter combines the two and the three chapters. The experience of the management mode of poverty alleviation and mutual assistance funds, the summary of the deficiency and the inspiration, the analysis of the sustainable development of the aid and mutual aid funds, the exploration of the mode of mutual fund management at the present stage, and the mode of supporting the poverty alleviation based on the cooperative financial support industry, relying on four kinds of fund aiming, capital management, financing, and agricultural insurance. The rural poverty alleviation and mutual fund management mode of the supplementary mechanism. In combination with the lack of financial aid for poverty in Gansu Province, the characteristic agricultural industry has developed gradually, and the farmers' management from the crutches management to the special characteristic production is the main characteristic, which shows that the improved mutual fund management model has the popularization value.

【学位授予单位】：甘肃农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.9

【参考文献】