本文選題：精準(zhǔn)扶貧　切入點(diǎn)：貸款　出處：《湘潭大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中國(guó)社會(huì)主義建設(shè)的本質(zhì)是消除貧困,最終實(shí)現(xiàn)共同富裕。開展扶貧開發(fā)工作,推動(dòng)貧困地區(qū)經(jīng)濟(jì)發(fā)展進(jìn)程,最終實(shí)現(xiàn)貧困地區(qū)的脫貧智富,是實(shí)現(xiàn)社會(huì)長(zhǎng)治久安,加快構(gòu)建和諧社會(huì)的重要條件,也是以人為本、為人民服務(wù)宗旨的重要體現(xiàn)。中共十一屆三中全會(huì)以來(lái),國(guó)家高度重視扶貧工作,扶貧工作的成績(jī)斐然。金融扶貧發(fā)展資金是強(qiáng)政策性資金,其價(jià)值能通過(guò)精準(zhǔn)扶貧貸款項(xiàng)目的具體實(shí)施來(lái)體現(xiàn)。由于扶貧項(xiàng)目涉及的主體多,項(xiàng)目實(shí)施期限長(zhǎng),很容易出現(xiàn)風(fēng)險(xiǎn)認(rèn)識(shí)不到位,風(fēng)險(xiǎn)應(yīng)對(duì)能力差的問(wèn)題,致使項(xiàng)目落實(shí)出現(xiàn)失誤和偏差,引發(fā)群眾矛盾和糾紛,最終影響項(xiàng)目的整體運(yùn)行效果。因此,從項(xiàng)目風(fēng)險(xiǎn)控制的角度來(lái)研究金融精準(zhǔn)扶貧項(xiàng)目,能提高項(xiàng)目決策的合理性與科學(xué)性,增強(qiáng)項(xiàng)目運(yùn)營(yíng)環(huán)境的安全性,提升項(xiàng)目資金的使用效益,對(duì)保障項(xiàng)目的實(shí)施運(yùn)行具有積極意義。此外,金融精準(zhǔn)扶貧貸款項(xiàng)目的風(fēng)險(xiǎn)控制研究能豐富現(xiàn)有理論成果,進(jìn)一步完善扶貧項(xiàng)目風(fēng)險(xiǎn)控制理論體系,對(duì)金融精準(zhǔn)扶貧的發(fā)展具有重要的理論意義和現(xiàn)實(shí)意義。本文以N銀行扶貧搬遷貸款項(xiàng)目為風(fēng)險(xiǎn)評(píng)估具體研究案例,通過(guò)確定精準(zhǔn)扶貧搬遷貸款項(xiàng)目的風(fēng)險(xiǎn)評(píng)估指標(biāo)體系,運(yùn)用結(jié)合定性分析和定量分析方法,對(duì)N銀行扶貧搬遷貸款項(xiàng)目的風(fēng)險(xiǎn)進(jìn)行評(píng)估測(cè)算,并提出相應(yīng)的銀行內(nèi)外部精準(zhǔn)扶貧貸款的風(fēng)險(xiǎn)控制策略。研究的主要觀點(diǎn)和結(jié)論:N銀行扶貧戰(zhàn)略適宜、工作基礎(chǔ)堅(jiān)實(shí)、機(jī)構(gòu)體系健全、工作經(jīng)驗(yàn)豐富等特點(diǎn),具有開展扶貧工作的獨(dú)特優(yōu)勢(shì);N銀行結(jié)合自身實(shí)際努力形成全方位、寬領(lǐng)域、多層次的信貸扶貧格局,創(chuàng)新金融扶貧品種,強(qiáng)化精準(zhǔn)扶貧,積極支持貧困地區(qū)基礎(chǔ)設(shè)施建設(shè)、特色產(chǎn)業(yè)發(fā)展,扶貧力度不斷加大;定性分析項(xiàng)目具有一定的政策風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)和項(xiàng)目完工風(fēng)險(xiǎn),資金挪用風(fēng)險(xiǎn)、項(xiàng)目征拆風(fēng)險(xiǎn)和貸款擔(dān)保風(fēng)險(xiǎn)可控;采用模糊綜合評(píng)價(jià)法,依次經(jīng)過(guò)集體討論、風(fēng)險(xiǎn)評(píng)分、評(píng)估結(jié)果三個(gè)階段,評(píng)估出項(xiàng)目整體風(fēng)險(xiǎn)水平為5.22,表明項(xiàng)目存在一定風(fēng)險(xiǎn),但風(fēng)險(xiǎn)不大;N銀行精準(zhǔn)扶貧貸款項(xiàng)目可以從銀行內(nèi)部和外部的角度加強(qiáng)風(fēng)險(xiǎn)控制。在銀行內(nèi)部,優(yōu)化貸款項(xiàng)目立項(xiàng)階段、階段準(zhǔn)備、實(shí)施階段和后評(píng)估階段的風(fēng)險(xiǎn)應(yīng)對(duì)策略。在銀行外部,從貸款的監(jiān)管、補(bǔ)貼、信用、創(chuàng)新方面進(jìn)行優(yōu)化。
[Abstract]:The essence of China's socialist construction is to eradicate poverty and ultimately achieve common prosperity. To carry out the work of poverty alleviation and development, to promote the process of economic development in poverty-stricken areas, and finally to achieve the eradication of poverty and prosperity in poverty-stricken areas is to achieve lasting social stability and stability. The important condition for speeding up the construction of a harmonious society is also an important embodiment of the tenet of people-oriented and serving the people. Since the third Plenary session of the Eleventh Central Committee of the Communist Party of China, the state has attached great importance to poverty alleviation. Financial Poverty Alleviation and Development Fund is a strong policy-oriented fund whose value can be reflected through the concrete implementation of a precision poverty alleviation loan project. Because of the large number of main bodies involved in the poverty alleviation project, the project implementation period is long. It is very easy to appear the problem that the risk awareness is not in place and the ability to deal with the risk is poor, which results in the mistakes and deviations in the implementation of the project, which leads to contradictions and disputes among the masses, and ultimately affects the overall operational effect of the project. From the perspective of project risk control, it can improve the rationality and scientific nature of project decision-making, enhance the security of project operating environment, and enhance the efficiency of project funds. In addition, the research on risk control of financial precision poverty alleviation loan projects can enrich the existing theoretical achievements and further improve the theoretical system of risk control for poverty alleviation projects. It is of great theoretical and practical significance to the development of financial precision poverty alleviation. This paper takes N Bank's poverty alleviation and relocation loan project as a specific case of risk assessment, and determines the risk evaluation index system of precision poverty alleviation and relocation loan project. By combining qualitative analysis and quantitative analysis, this paper evaluates and calculates the risk of N Bank's poverty alleviation and relocation loan project. The main viewpoints and conclusions of the study are as follows: the main viewpoints and conclusions of the study are: appropriate poverty reduction strategy, solid working foundation, sound institutional system, rich working experience and so on. The Bank has the unique advantage of carrying out poverty alleviation work and combining its own practical efforts to form a comprehensive, broad and multi-level pattern of credit poverty alleviation, to innovate financial poverty alleviation varieties, to strengthen accurate poverty alleviation, and to actively support infrastructure construction in poverty-stricken areas. The qualitative analysis project has certain policy risk, market risk and project completion risk, fund misappropriation risk, project requisition risk and loan guarantee risk controllable. The overall risk level of the project is 5.22, which indicates that there is a certain risk in the project. However, the bank's precision pro-poor loan project can strengthen risk control from both the internal and external perspectives of the bank. Within the bank, optimize the loan project stage and prepare for the stage. Strategies for risk management in the implementation and post-evaluation phases. Optimize loan regulation, subsidies, credit, and innovation outside the bank.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F323.8

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