本文關(guān)鍵詞： 精準(zhǔn)扶貧專項貸款 績效評價 甘肅省 層次分析法　出處：《蘭州大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：“消除貧窮,改善民生,實現(xiàn)共同富�！笔菍崿F(xiàn)國家穩(wěn)定、社會和諧的重要條件,亦是我黨一直以來的奮斗目標(biāo)。當(dāng)前扶貧工作的重大成果有目共睹,但是不可否認(rèn)的是我國仍為發(fā)展中國家,居民人均收入水平較低,貧窮人口所占基數(shù)大、地區(qū)間相對貧困凸顯,限制貧困地區(qū)發(fā)展的根本矛盾復(fù)雜,扶貧攻堅仍然任重道遠(yuǎn)。2015年7月,甘肅省啟動了惠及全省貧困農(nóng)戶的“精準(zhǔn)扶貧”專項貸款,累計共發(fā)放431億元貸款,省財政貼息19.2億元,使95.8萬戶、395.5萬的窮困人口得到實惠。為透徹了解“精準(zhǔn)扶貧”專項貸款項目的落實情況,準(zhǔn)確把握貸款資金的使用效率和效益,全面掌握貸款項目對農(nóng)戶脫貧致富以及社會經(jīng)濟(jì)發(fā)展的影響,就必須對貸款資金的績效進(jìn)行深入分析和綜合評價。本文根據(jù)“精準(zhǔn)扶貧”專項貸款項目的性質(zhì)、特點(diǎn)和績效評價的要求,設(shè)計了相應(yīng)的績效評價指標(biāo)體系。通過調(diào)查“精準(zhǔn)扶貧”專項貸款項目實施情況,獲取基礎(chǔ)資料,運(yùn)用統(tǒng)計分析等方法對進(jìn)行數(shù)據(jù)處理。從組織管理、資金效率、資金效益和可持續(xù)發(fā)展能力四個方面,運(yùn)用綜合評價方法對“精準(zhǔn)扶貧”專項貸款項目績效進(jìn)行綜合評價。評價結(jié)果顯示,甘肅省“精準(zhǔn)扶貧”貸款項目的綜合績效“良好”。其中,組織管理績效“很好”,表明貸款工作程序透明,組織有力,管理到位,監(jiān)督完善,農(nóng)戶滿意度、認(rèn)知度比較高;貸款資金效率績效“較好”,表明貸款發(fā)放比較及時,大部分被用于生產(chǎn)經(jīng)營活動,對社會資金起到了一定的撬動作用;貸款資金效益績效“一般”,表明貸款雖然對農(nóng)民收入增長有一定促進(jìn)作用,但由于貸款資金收益率較低,對農(nóng)戶收入結(jié)構(gòu)的改善有限;可持續(xù)發(fā)展能力績效“很好”,表明受貸農(nóng)戶在生產(chǎn)技能提升、收入持續(xù)穩(wěn)定增長、抗風(fēng)險意識增強(qiáng)以及信息獲取渠道的拓展等方面都有了很大提高。根據(jù)“精準(zhǔn)扶貧”專項貸款的績效評價結(jié)果,本人認(rèn)為該項目對農(nóng)戶增收、當(dāng)?shù)亟?jīng)濟(jì)發(fā)展有較大的推動作用,但在貸款制度安排、組織管理、資金使用以及風(fēng)險防范等方面存在不足。針對以上問題,本人提出了優(yōu)化制度安排,強(qiáng)化組織管理,創(chuàng)新工作方式,完善風(fēng)險防控機(jī)制等對策建議。
[Abstract]:"to eradicate poverty, improve people's livelihood, and achieve common prosperity" is an important condition for achieving national stability and social harmony, as well as our party's persistent goal of struggle. However, it is undeniable that China is still a developing country, the level of per capita income of residents is low, the base of poor population is large, the relative poverty between regions is prominent, and the fundamental contradiction of restricting the development of poor areas is complex. In July 2015, Gansu Province launched a "precision poverty alleviation" special loan that benefited poor farmers in the whole province, with a total of 43.1 billion yuan of loans and 1.92 billion yuan of financial discount interest. 958,000 households, three million nine hundred and fifty-five thousand poor people benefited. In order to understand the implementation of the "precision poverty alleviation" special loan project, accurately grasp the efficiency and effectiveness of the use of loan funds. In order to fully understand the impact of loan projects on farmers' poverty alleviation and social and economic development, it is necessary to conduct in-depth analysis and comprehensive evaluation of the performance of loan funds. This paper is based on the nature of "precision poverty alleviation" special loan projects. Characteristics and performance evaluation requirements, designed the corresponding performance evaluation index system. Through the investigation of the "precision poverty alleviation" special loan project implementation, access to basic information. Using statistical analysis and other methods of data processing. From the organization management, capital efficiency, funds efficiency and sustainable development capacity four aspects. The comprehensive evaluation method is used to evaluate the performance of the "precision poverty alleviation" special loan project. The evaluation results show that the comprehensive performance of the "precision poverty alleviation" loan project in Gansu Province is "good". The performance of organization management is "very good", which indicates that the working procedure of loan is transparent, the organization has the ability, the management is in place, the supervision is perfect, the farmer is satisfied, the recognition is relatively high; The efficiency performance of loan funds is "better", indicating that loans are issued in a timely manner, and most of them are used in production and management activities, which has a certain crowning effect on social funds. The performance of loan funds benefit is "general", which indicates that although loans can promote the growth of farmers' income, the improvement of farmers' income structure is limited because of the low rate of return of loan funds. The performance of sustainable development capacity is "very good", indicating that the loan-receiving farmers are increasing their production skills and income steadily. According to the performance evaluation results of the "precision poverty alleviation" special loan, I think the project increases farmers' income. Local economic development has a greater role in promoting, but in the loan system arrangements, organization and management, the use of funds and risk prevention and other aspects of deficiencies. In view of the above problems, I proposed to optimize the institutional arrangements. Strengthen the organization management, innovate the working way, perfect the risk prevention and control mechanism and so on countermeasure suggestion.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

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