發(fā)布時間：2018-02-22 18:27

  本文關鍵詞： 武陵山區(qū) 金融現(xiàn)狀 減貧效果 建議　出處：《中南民族大學》2014年碩士論文　論文類型：學位論文

【摘要】：武陵山區(qū)是我國內陸面積最大的少數(shù)民族聚居區(qū)，它地處我國中西部接合地帶，這里自然資源豐富，少數(shù)民族人口眾多，民族文化厚重，在我國經(jīng)濟社會發(fā)展的大局中有著舉足輕重的戰(zhàn)略地位。但是，由于其地理、歷史、自然環(huán)境等因素的限制，武陵山區(qū)經(jīng)濟發(fā)展較慢，是我國內陸最大的貧困區(qū)域。貧困一直制約著武陵山區(qū)的發(fā)展，因此如何有效開展武陵山區(qū)減貧工作是當?shù)卣紤]的重點。金融是現(xiàn)代經(jīng)濟的核心，經(jīng)濟的發(fā)展離不開金融的發(fā)展，，金融減貧已經(jīng)逐步受到了世界各國政府的認可和重視。武陵山區(qū)由于經(jīng)濟發(fā)展落后導致了金融改革滯后，金融體系不完善以及金融機構服務能力不足，而這些不足又反作用于當?shù)亟?jīng)濟，阻礙了經(jīng)濟的發(fā)展，降低了金融減貧的效果。因此，如何有效的改善武陵山區(qū)金融環(huán)境，最大限度的實現(xiàn)金融減貧效果是當?shù)卣徒鹑诓块T的責任。本文采取理論研究與實地調查的方法，通過研究武陵山區(qū)金融減貧的實施現(xiàn)狀和效果，指出了當?shù)亟鹑跍p貧體系存在的問題，從而提出對應的建議。 本文從金融減貧理論根據(jù)出發(fā)，介紹了金融發(fā)展與經(jīng)濟增長、關于對貧困人口的金融扶持等相關理論，并通過金融減貧的特征以及國外成功的實踐經(jīng)驗，指出了金融減貧的思路和實施手段。然后，又以武陵山區(qū)金融機構的實際情況作為切入點，詳細介紹了正規(guī)金融部門、非正規(guī)金融部門、農(nóng)業(yè)保險體系在該地區(qū)減貧工作的實施情況�？隙私鹑跍p貧的效果。金融減貧不僅減少了貧困人口，促進了產(chǎn)業(yè)發(fā)展，改善了基礎設施，還扶持了龍頭企業(yè)，帶動企業(yè)的發(fā)展。 金融減貧雖然對武陵山區(qū)貧困人口提高經(jīng)濟收入，擺脫貧困有著重要的作用，但是在該地區(qū)存在著金融減貧實施條件不足，金融改革滯后，金融服務和金融產(chǎn)品缺乏創(chuàng)新等問題，這些問題嚴重阻礙了金融減貧效用的發(fā)揮。針對這些問題，本文最后提出了一些完善建議，希望能進一步發(fā)揮金融減貧的效應。
[Abstract]:The Wuling Mountain area is the largest inhabited area of ethnic minorities in the interior of China. It is located in the central and western areas of China. It is rich in natural resources, has a large minority population, and is rich in national culture. Wuling Mountain area has a significant strategic position in the overall economic and social development of our country. However, due to its geographical, historical, natural environment and other factors, the economic development of Wuling Mountain area is relatively slow. It is the largest poverty area in the interior of China. Poverty has been restricting the development of Wuling Mountain area. Therefore, how to effectively carry out the work of reducing poverty in Wuling Mountain region is the focus of the local government's consideration. Finance is the core of the modern economy. Economic development is inseparable from the development of finance, and financial poverty reduction has gradually been recognized and valued by governments around the world. Wuling Mountain region has lagged behind in financial reform because of its backward economic development. The imperfect financial system and inadequate service capacity of financial institutions, which counteract the local economy, hinder economic development and reduce the effect of financial poverty reduction. Therefore, how to effectively improve the financial environment of Wuling Mountain region, It is the responsibility of the local government and financial sector to maximize the effect of financial poverty reduction. The problems of local financial poverty reduction system are pointed out, and corresponding suggestions are put forward. Based on the theoretical basis of financial poverty reduction, this paper introduces the relevant theories of financial development and economic growth, financial support to the poor, and through the characteristics of financial poverty reduction and the successful practical experience of foreign countries. It points out the ideas and means of implementing financial poverty reduction. Then, taking the actual situation of financial institutions in Wuling Mountain area as the starting point, it introduces in detail the formal financial sector and the informal financial sector. The implementation of the agricultural insurance system in poverty reduction in the region has confirmed the effect of financial poverty reduction. Financial poverty reduction has not only reduced the number of poor people, promoted industrial development, improved infrastructure, but also supported leading enterprises. Drive the development of enterprises. Although financial poverty reduction plays an important role in raising economic income and getting rid of poverty among poor people in Wuling Mountain region, there are insufficient conditions for the implementation of financial poverty reduction in the region, and the financial reform is lagging behind. The lack of innovation in financial services and financial products has seriously hindered the effectiveness of financial poverty reduction. In view of these problems, this paper finally puts forward some suggestions to improve the effectiveness of financial poverty reduction in the hope of further exerting the effect of financial poverty reduction.
【學位授予單位】：中南民族大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F323.8;F832.7

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本文編號：1525008