本文關(guān)鍵詞： 金融扶貧 BZ分行 貧困地區(qū) 擔(dān)保體系　出處：《廣西師范大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：貧困是世界級的難題,也是一直困擾我國發(fā)展癥結(jié)所在,而金融扶貧是世界各國解決貧困問題的有力武器。與財(cái)政扶貧不同,金融扶貧更多的關(guān)注有發(fā)展意愿的、有生產(chǎn)能力的貧困群體,黨中央高度重視三農(nóng)工作,各項(xiàng)發(fā)展改革政策陸續(xù)出臺,大量資源向農(nóng)業(yè)傾斜。農(nóng)村土地制度改革穩(wěn)妥推進(jìn),農(nóng)業(yè)現(xiàn)代化加速發(fā)展,新型農(nóng)業(yè)經(jīng)營主體不斷涌現(xiàn),三農(nóng)金融業(yè)務(wù)迎來新的發(fā)展機(jī)遇。中國郵政儲蓄銀行BZ分行小額貸款轉(zhuǎn)型升級也初見成效,產(chǎn)品創(chuàng)新和要素調(diào)整,有效地提升了支農(nóng)小額貸款的市場競爭力,金融扶貧服務(wù)范圍也逐步擴(kuò)大,實(shí)現(xiàn)了由農(nóng)戶向新型農(nóng)業(yè)經(jīng)營主體的轉(zhuǎn)變,但是隨著利率市場化、同業(yè)競爭的加劇,BZ分行面臨著嚴(yán)峻的外在環(huán)境。本文對BZ分行金融扶貧業(yè)務(wù)進(jìn)行了研究,通過對BZ分行金融扶貧業(yè)務(wù)現(xiàn)狀以及存在的問題進(jìn)行分析,然后對當(dāng)前金融扶貧業(yè)務(wù)體系進(jìn)行優(yōu)化,并最終提出實(shí)施措施。本文主要有六個部分。(1)首先對當(dāng)前金融扶貧背景和意義進(jìn)行了分析,對國內(nèi)外現(xiàn)狀進(jìn)行梳理,并且結(jié)合研究對象和內(nèi)容提出研究方法和研究思路。(2)對金融扶貧相關(guān)理論進(jìn)行了梳理,分別從金融扶貧理論、農(nóng)業(yè)信貸補(bǔ)貼理論、農(nóng)村金融市場理論三個方面進(jìn)行分析,為后續(xù)的研究奠定理論基礎(chǔ)。(3)通過調(diào)研訪談等形式對當(dāng)前BZ分行金融扶貧業(yè)務(wù)的現(xiàn)狀以及存在的問題進(jìn)行分析。(4)通過對BZ分行的內(nèi)外部環(huán)境的分析,利用SWOT分析BZ分行的金融扶貧業(yè)務(wù)優(yōu)勢、劣勢、機(jī)會、威脅進(jìn)行分析,得出當(dāng)前BZ分行面臨的環(huán)境。(5)針對當(dāng)前存在的問題以及國家戰(zhàn)略,對當(dāng)前BZ分行金融扶貧業(yè)務(wù)體系進(jìn)行優(yōu)化,分別從扶貧資金、金融扶貧產(chǎn)品、金融扶貧擔(dān)保體系、金融扶貧管理等方面進(jìn)行優(yōu)化。(6)針對金融扶貧體系建立金融扶貧實(shí)施措施,保障金融扶貧體系的順利實(shí)施。(7)結(jié)論,對研究進(jìn)行總結(jié)與展望。本文所進(jìn)行的金融扶貧理論和實(shí)踐的探索和研究,對于我國農(nóng)村金融扶貧整體管理水平的提升和農(nóng)村金融扶貧的規(guī)范化發(fā)展有著重要的現(xiàn)實(shí)意義和理論價(jià)值。
[Abstract]:Poverty is not only a world-class problem, but also the crux of our country's development. Financial poverty alleviation is a powerful weapon to solve the poverty problem in the world, which is different from financial poverty alleviation. The Party Central Committee attaches great importance to the work of agriculture, rural areas and farmers, and various development and reform policies have been introduced one after another. A large number of resources are tilted to agriculture. The reform of rural land system has been advanced steadily, agricultural modernization has been accelerated, and new agricultural management bodies have been emerging. The transformation and upgrading of small loans in BZ branch of China Postal savings Bank has also achieved initial results. Product innovation and factor adjustment have effectively enhanced the market competitiveness of agricultural microfinance. The scope of financial poverty alleviation services has been gradually expanded to realize the transformation from farmers to new agricultural management subjects, but with the marketization of interest rates, the competition between the same industry intensified. BZ branch is facing a severe external environment. This paper studies the financial poverty alleviation business of BZ branch, and analyzes the current situation and existing problems of financial poverty alleviation business in BZ branch. Then optimize the current financial poverty alleviation business system, and finally put forward the implementation measures. This paper mainly has six parts. 1) first of all, the background and significance of the current financial poverty alleviation are analyzed. Combing the current situation at home and abroad, and combining the research object and content to put forward the research methods and research ideas. (2) combing the relevant theories of financial poverty alleviation, respectively from the theory of financial poverty alleviation. The agricultural credit subsidy theory and the rural financial market theory are analyzed in three aspects. To lay a theoretical foundation for the follow-up study. (3) by means of investigation and interview, this paper analyzes the current situation and existing problems of financial poverty alleviation business in BZ Branch. Through the analysis of the internal and external environment of BZ branch. Using SWOT to analyze the advantages, disadvantages, opportunities and threats of the financial poverty alleviation business of BZ branch, the paper draws the conclusion that the current BZ branch is faced with the environment. 5) aiming at the current problems and national strategy. The current BZ branch financial poverty alleviation business system optimization, respectively from poverty alleviation funds, financial poverty alleviation products, financial poverty alleviation guarantee system. Financial poverty alleviation management and other aspects to optimize the financial poverty alleviation system to establish financial poverty alleviation measures to ensure the smooth implementation of the financial poverty alleviation system. Summary and prospect of the research. This paper explores and studies the theory and practice of financial poverty alleviation. It has important practical significance and theoretical value for the improvement of the overall management level of rural financial poverty alleviation and the standardized development of rural financial poverty alleviation.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F618.3;F832.33

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