本文選題：金融扶貧　切入點(diǎn)：金融助推脫貧攻堅(jiān)政策　出處：《安徽大學(xué)》2017年碩士論文

【摘要】："十三五"時(shí)期,是我國(guó)全面建成小康社會(huì)的沖刺期,也是扶貧開(kāi)發(fā)工作的攻堅(jiān)期。剩余貧困人口脫貧難度大、對(duì)政策訴求更趨多元、扶貧政策的科學(xué)性、有效性面臨巨大考驗(yàn)。為打贏脫貧攻堅(jiān)戰(zhàn),中央提出了精準(zhǔn)扶貧、精準(zhǔn)脫貧的戰(zhàn)略,指出脫貧攻堅(jiān)貴在精準(zhǔn)、難在精準(zhǔn)、成敗之舉在在于精準(zhǔn),規(guī)劃了六個(gè)精準(zhǔn)、五個(gè)一批的工作布局。在貧困戶(hù)多種致貧原因中,金融資源供給和配置的缺失、金融參與意識(shí)和能力的滯后,在當(dāng)前金融市場(chǎng)快速發(fā)展、金融改革創(chuàng)新不斷提速的時(shí)代,顯得更為突出。因此,金融助推脫貧攻堅(jiān)成為各地扶貧工作的重點(diǎn)、焦點(diǎn)、難點(diǎn);對(duì)金融助推脫貧攻堅(jiān)政策進(jìn)行研究,具有較強(qiáng)的理論和現(xiàn)實(shí)意義。本文以欠發(fā)達(dá)貧困地區(qū)亳州市為例,首先介紹了亳州市金融助推脫貧攻堅(jiān)的現(xiàn)實(shí)背景、出臺(tái)的政策框架和體系、核心政策內(nèi)容和目標(biāo)、政策落實(shí)執(zhí)行的具體做法以及政策實(shí)施一段時(shí)期的主要效果。其次,結(jié)合普惠金融理論和基層探索實(shí)踐,重點(diǎn)圍繞金融資源如何以更加市場(chǎng)化、商業(yè)可持續(xù)和風(fēng)險(xiǎn)可控的原則,持續(xù)有效投入貧困地區(qū)和貧困戶(hù),進(jìn)行了典型模式和案例分析。在此基礎(chǔ)上,結(jié)合工作經(jīng)驗(yàn),分析指出金融助推脫貧攻堅(jiān)工作中,在政策設(shè)計(jì)運(yùn)行、政策執(zhí)行落實(shí)、政策整合配套、政策績(jī)效評(píng)估等方面存在的突出問(wèn)題。最后針對(duì)存在的問(wèn)題,提出相應(yīng)的對(duì)策建議。本文運(yùn)用理論與實(shí)際、政策與案例相結(jié)合的分析方法,將實(shí)際工作中的經(jīng)驗(yàn)感悟與第一手的案例資料,作為分析的素材,運(yùn)用普惠金融理論、市場(chǎng)失靈理論的視角,探析政策實(shí)施中暴露出的問(wèn)題,為問(wèn)題的解決找到更加科學(xué)的途徑和思路,以更好實(shí)現(xiàn)完善扶貧政策體系、強(qiáng)化政策執(zhí)行、優(yōu)化政策績(jī)效的研究目的。
[Abstract]:The 13th five-year-plan period is the sprint period of building a well-off society in an all-round way in our country, and it is also a critical period for poverty alleviation and development.It is difficult for the remaining poor population to get rid of poverty, and the policy demands are more diversified. The scientific and effective poverty alleviation policy is facing a great test.In order to win the battle against poverty, the central government has put forward the strategy of reducing poverty with precision, and pointed out that the key to overcoming poverty lies in precision and difficulty, and the success or failure lies in precision, planning six precision and five batches of work layout.Among the various causes of poverty among the poor households, the lack of supply and allocation of financial resources, the lagging of financial participation consciousness and ability are more prominent in the era of rapid development of financial market and increasing speed of financial reform and innovation.Therefore, financial help to overcome poverty has become the focal point, focus and difficulty of poverty alleviation work in various places, and it is of great theoretical and practical significance to study the policy of financial help to lift poverty out of poverty.Taking Bozhou City as an example, this paper first introduces the realistic background, the policy framework and system, the core policy contents and objectives of Bozhou City.The specific practice of policy implementation and the main effect of policy implementation for a period of time.Secondly, combining inclusive finance theory and grass-roots exploration practice, focusing on how to effectively invest financial resources in poor areas and poor households on the principles of more market-oriented, commercial sustainability and risk controllable.The typical model and case analysis are carried out.On this basis, combined with the work experience, the paper points out the outstanding problems in the aspects of policy design and operation, policy implementation, policy integration, policy performance evaluation and so on.Finally, according to the existing problems, the corresponding countermeasures and suggestions are put forward.This article uses the analysis method of combining theory and practice, policy and case, taking the experience and first-hand case information of practical work as the material of analysis, using the perspective of inclusive finance theory and market failure theory.This paper probes into the problems exposed in the policy implementation, and finds more scientific ways and ideas for solving the problems, so as to better realize the research purpose of perfecting the policy system of poverty alleviation, strengthening the policy implementation and optimizing the policy performance.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F323.8;F832.7

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