本文選題：金融扶貧 + 現(xiàn)狀��； 參考：《福建農(nóng)林大學(xué)》2017年碩士論文

【摘要】：金融扶貧是精準(zhǔn)扶貧的有效形式。屏南縣是23個(gè)省級(jí)扶貧開發(fā)工作重點(diǎn)縣之一,也是全國第二批農(nóng)村改革試驗(yàn)區(qū),承擔(dān)扶貧開發(fā)綜合改革試點(diǎn)任務(wù),本研究以屏南縣小額信貸扶貧為視角,探討屏南縣金融扶貧的現(xiàn)狀、問題和優(yōu)化路徑。研究發(fā)現(xiàn),屏南縣金融扶貧存在的現(xiàn)狀包括:金融服務(wù)機(jī)制不斷創(chuàng)新、扶貧信貸投入量持續(xù)增長(zhǎng)、金融產(chǎn)品和服務(wù)不斷創(chuàng)新、信用體系建設(shè)不斷加快、貸款擔(dān)保體系逐漸完善、金融扶貧與產(chǎn)業(yè)發(fā)展深度融合。然而,在對(duì)屏南縣小額信貸金融扶貧績(jī)效的實(shí)證分析的基礎(chǔ)上,提出屏南縣金融扶貧存在著參與信貸扶貧的金融機(jī)構(gòu)主體有限、貧困戶貸款有效需求不足、扶貧資金整合不足、金融扶貧潛在風(fēng)險(xiǎn)仍然存在、金融扶貧隊(duì)伍建設(shè)有待加強(qiáng)等問題。為此,本研究提出鼓勵(lì)引導(dǎo)更多金融機(jī)構(gòu)參與信貸扶貧、激活貧困戶貸款有效需求、促進(jìn)扶貧資金有效整合、完善風(fēng)險(xiǎn)補(bǔ)償機(jī)制、加快金融扶貧隊(duì)伍建設(shè)等對(duì)策。
[Abstract]:Financial poverty alleviation is an effective form of precision poverty alleviation. Pingnan County is one of the 23 key counties in poverty alleviation and development at the provincial level, and it is also the second batch of rural reform pilot areas in the country, undertaking the pilot task of comprehensive reform in poverty alleviation and development. This study takes the perspective of poverty alleviation by micro-credit in Pingnan County. This paper discusses the present situation, problems and optimized paths of financial poverty alleviation in Pingnan County. It is found that the present situation of financial poverty alleviation in Pingnan County includes: continuous innovation of financial service mechanism, sustained growth of credit input, innovation of financial products and services, accelerated construction of credit system, and gradual improvement of loan guarantee system. Financial poverty alleviation and industrial development are deeply integrated. However, on the basis of the empirical analysis of the poverty alleviation performance of microfinance finance in Pingnan County, it is pointed out that there are limited financial institutions involved in credit poverty alleviation in Pingnan County, insufficient effective demand for loans from poor households and insufficient integration of poverty alleviation funds. The potential risk of financial poverty alleviation still exists, and the construction of financial poverty alleviation team needs to be strengthened. Therefore, this study puts forward some countermeasures such as encouraging more financial institutions to participate in credit poverty alleviation, activating the effective demand for loans from poor households, promoting the effective integration of poverty alleviation funds, perfecting the risk compensation mechanism, and speeding up the construction of financial poverty alleviation teams.
【學(xué)位授予單位】：福建農(nóng)林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F323.8;F832.4

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