發(fā)布時(shí)間：2018-01-23 20:08

  本文關(guān)鍵詞： 金融扶貧 能力貧困 金融機(jī)構(gòu) 金融工具　出處：《華南師范大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版)》2017年04期 　論文類型：期刊論文

【摘要】：金融扶貧是中國進(jìn)入扶貧攻堅(jiān)階段重要的扶貧手段之一。在多維貧困視角下,金融手段可以緩解貧困人群的收入貧困和能力貧困。從金融機(jī)構(gòu)的規(guī)模、數(shù)量、組織形式以及不同金融工具的特征與優(yōu)勢兩條主線出發(fā),對國內(nèi)外金融扶貧的經(jīng)驗(yàn)進(jìn)行比較分析,結(jié)論如下:“小銀行優(yōu)勢”在信息技術(shù)的沖擊下逐步下降,大銀行和小銀行在扶貧中各具優(yōu)勢;參與扶貧的機(jī)構(gòu)并非越多越好,強(qiáng)制性數(shù)量擴(kuò)張很可能會(huì)帶來資源浪費(fèi);合作制金融相較商業(yè)性金融與扶貧更為契合。從工具的角度,各類金融產(chǎn)品在解決信息與成本問題以及能力貧困上各具優(yōu)勢。因此,金融扶貧不應(yīng)僅僅局限于小額信貸等傳統(tǒng)手段,還應(yīng)積極利用以移動(dòng)運(yùn)營商為主導(dǎo)的手機(jī)銀行、農(nóng)業(yè)價(jià)值鏈金融等各種創(chuàng)新金融工具。
[Abstract]:Financial poverty alleviation is one of the most important means of poverty alleviation in China. From the perspective of multi-dimensional poverty, financial means can alleviate the income poverty and ability poverty of poor people, from the scale and quantity of financial institutions. Starting from the two main lines of organizational form and the characteristics and advantages of different financial instruments, this paper makes a comparative analysis of the financial poverty alleviation experience at home and abroad. The conclusions are as follows: "the advantage of small banks" has gradually declined under the impact of information technology. Large banks and small banks each have advantages in helping the poor; The more institutions involved in poverty alleviation, the better, and mandatory quantitative expansion is likely to lead to a waste of resources; Cooperative finance is more compatible with poverty alleviation than commercial finance. From the perspective of tools, all kinds of financial products have different advantages in solving information and cost problems, as well as capacity poverty. Financial poverty alleviation should not only be limited to traditional means such as micro-credit, but also actively use mobile phone banks, agricultural value chain finance and other innovative financial instruments.
【正文快照】： 嶺 南 學(xué) 術(shù) 學(xué) 術(shù) 觀 察 ? 貧 困 與 扶 貧 問 題 研 究 2017 年第 4 期 No．4 ，， 2017 華 南 師 范 大 學(xué) 學(xué) 報(bào) ( 社 會(huì) 科 學(xué) 版) JOUＲNAL OF SOUTH CHINA NOＲMAL UNIVEＲSITY ( SOCIAL SCIENCE EDITION ) 2017 年 7 月 Jul

本文編號：1458132