本文選題：扶貧 + 互助資金��； 參考：《甘肅農(nóng)業(yè)大學(xué)》2015年碩士論文

【摘要】：甘肅省作為西部地區(qū)典型的欠發(fā)達(dá)省份,普遍貧困是其經(jīng)濟(jì)發(fā)展落后的主要特征,而資金又是制約和阻礙貧困地區(qū)經(jīng)濟(jì)社會發(fā)展與縮減貧困程度的關(guān)鍵性因素之一。從20世紀(jì)50年代開始,在相當(dāng)長的一個時期內(nèi),財政資金作為扶貧資金的唯一來源,起著無可替代的作用。但是財政資金扶貧模式往往伴隨著資金規(guī)模受限、資金運(yùn)用低效率性等諸多問題,而農(nóng)戶對單向輸入式的財政扶貧資金過分依賴,使該種扶貧模式難以徹底消除農(nóng)戶的貧困根源。隨著農(nóng)戶農(nóng)業(yè)經(jīng)營結(jié)構(gòu)的調(diào)整,財政扶貧資金總量已經(jīng)不能滿足扶貧的需要,正規(guī)金融機(jī)構(gòu)資金的引入曾起到補(bǔ)充了扶貧資金的作用。然而至2009年,正規(guī)金融機(jī)構(gòu)的商業(yè)化進(jìn)程加劇,農(nóng)村金融機(jī)構(gòu)逐漸撤出農(nóng)村地區(qū),農(nóng)村資金外流加速。為了解決農(nóng)村地區(qū)面臨的普遍貧困及其對應(yīng)的資金供需失衡的問題,在貧困地區(qū)建立互助資金組織能夠在一定程度上緩解農(nóng)村地區(qū)貧困農(nóng)戶在脫貧過程中存在的資金短缺狀況,打破由于資金短缺形成的貧困性循環(huán)。甘肅省在2006年積極探索建立“貧困村村級發(fā)展互助資金”組織,扶貧互助資金組織的運(yùn)行雖然在一定程度上緩解了貧困農(nóng)戶生產(chǎn)資金短缺的問題,但是互助資金組織的資金來源仍依賴于財政供給,存在諸多劣勢的“輸血式”扶貧本質(zhì)未有根本性改變,該問題的克服與互助資金制度的建立與完善及相關(guān)制度實(shí)施的效率性密切相關(guān)�；诖�,本文選取甘肅省農(nóng)村扶貧互助資金管理模式作為研究對象。本文第二章運(yùn)用文獻(xiàn)查閱法與案例分析法,對甘肅省村級扶貧互助資金組織發(fā)展初期具有代表性的互助資金管理模式的優(yōu)勢和不足進(jìn)行分析和總結(jié),得出財政主導(dǎo)的互助資金模式的本質(zhì)仍然是“輸血式”扶貧,該種模式的扶貧效用易受到多種不利因素的制約,需進(jìn)一步進(jìn)行改進(jìn)。第三章在查閱文獻(xiàn)的基礎(chǔ)上,以案例分析的形式對甘肅省慶陽市扶貧互助資金新模式——合作金融支持產(chǎn)業(yè)扶貧模式進(jìn)行分析和總結(jié),發(fā)現(xiàn)該模式在融資渠道、擔(dān)保機(jī)制、參與式扶貧、風(fēng)險管理機(jī)制方面的具有優(yōu)勢,然而從模式具體實(shí)施情況中分析發(fā)現(xiàn),其在資金運(yùn)行流程、資金用途監(jiān)管、風(fēng)險控制方面仍有不足。第四章運(yùn)用SWOT戰(zhàn)略分析方法對甘肅省農(nóng)村扶貧互助資金組織可持續(xù)發(fā)展的環(huán)境進(jìn)行了分析,得出甘肅省扶貧互助資金組織)運(yùn)行中出現(xiàn)的問題,并對互助資金管理模式提出相應(yīng)的戰(zhàn)略對策。第五章結(jié)合二、三章對各類扶貧互助資金管理模式的經(jīng)驗、不足與啟示的總結(jié),以及扶貧互助資金組織可持續(xù)發(fā)展分析,探索性的對現(xiàn)階段互助資金管理模式進(jìn)行補(bǔ)充,提出了基于合作金融支持產(chǎn)業(yè)扶貧的模式,依托資金瞄準(zhǔn)、資金管理、資金融通、農(nóng)業(yè)保險四種補(bǔ)充機(jī)制的農(nóng)村扶貧互助資金管理模式。在結(jié)合甘肅省金融扶貧能力缺失、特色農(nóng)業(yè)產(chǎn)業(yè)逐漸發(fā)展壯大、農(nóng)戶經(jīng)營從拐杖經(jīng)營向?qū)Ｂ毺厣a(chǎn)為主的省情特點(diǎn)后,表明改進(jìn)后的互助資金管理模式具有推廣價值。
[Abstract]:As a typical underdeveloped province in the western region, Gansu province is the main characteristic of its backward economic development, and capital is one of the key factors that restrict and hinder the economic and social development of poor areas and reduce the degree of poverty. From 1950s, in a long period of time, financial funds were used as the poverty alleviation funds. The only source is the irreplaceable role, but the mode of financial capital poverty alleviation is often accompanied by a limited number of funds, low efficiency and many other problems, and the farmers are too dependent on the one-way input of the financial aid to the poor, which makes it difficult to eliminate the poverty root of the farmers. The total amount of financial aid to the poor has been unable to meet the needs of poverty alleviation. The introduction of funds from regular financial institutions has played a supplement to the role of poverty alleviation funds. However, by 2009, the commercial process of the regular financial institutions was intensified, rural financial institutions were gradually withdrawing from rural areas, and rural capital outflows accelerated. Facing the general poverty and its corresponding fund supply and demand imbalance, the establishment of mutual fund organization in poor areas can alleviate the shortage of funds in the process of poverty alleviation in rural areas to a certain extent, and break the poverty cycle caused by the shortage of funds. In 2006, Gansu province actively explored and established a "poor village". Although the operation of the village level development mutual funds "organization, the operation of poverty alleviation fund organization has alleviated the shortage of poor farmers' production funds to a certain extent, but the sources of mutual funds still depend on the financial supply, there are many inferior" blood transfusion "poverty alleviation this quality has not been fundamentally changed, the problem is overcome and mutual. The establishment and improvement of the aid fund system is closely related to the efficiency of the implementation of the related system. Based on this, this paper selects the rural poverty alleviation and mutual fund management model of Gansu Province as the research object. The second chapter of this paper has representative mutual assistance in the early development of the village level poverty alleviation and mutual aid fund organization in Gansu province by using the method of literature review and case analysis. The advantages and disadvantages of the mode of capital management are analyzed and summarized, and the essence of the mode of financial led mutual fund is still "blood transfusion", the utility of poverty alleviation in this model is easily restricted by many adverse factors and needs further improvement. The third chapter is on the basis of Cha Yuewen's contribution to Gansu Province in the form of case analysis. The new model of poverty alleviation and mutual assistance in Qingyang, the cooperative financial support industry supporting the poverty alleviation model, has been analyzed and summarized, and found that the model has advantages in financing channels, guarantee mechanism, participatory poverty alleviation and risk management mechanism. However, it is analyzed from the specific implementation of the model, which is in the operation process of funds, the supervision of the use of funds, and the risk. There are still shortcomings in the control. The fourth chapter analyzes the environment of the sustainable development of the rural poverty alleviation and mutual fund organization in Gansu province by using the method of strategic analysis in Gansu Province, draws the problems arising in the operation of Gansu's poverty alleviation and mutual fund organization, and puts forward the strategic countermeasures to the mode of mutual fund management. The fifth chapter combines the two and the three chapters. The experience of the management mode of poverty alleviation and mutual assistance funds, the summary of the deficiency and the inspiration, the analysis of the sustainable development of the aid and mutual aid funds, the exploration of the mode of mutual fund management at the present stage, and the mode of supporting the poverty alleviation based on the cooperative financial support industry, relying on four kinds of fund aiming, capital management, financing, and agricultural insurance. The rural poverty alleviation and mutual fund management mode of the supplementary mechanism. In combination with the lack of financial aid for poverty in Gansu Province, the characteristic agricultural industry has developed gradually, and the farmers' management from the crutches management to the special characteristic production is the main characteristic, which shows that the improved mutual fund management model has the popularization value.

【學(xué)位授予單位】：甘肅農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F323.9

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本文編號：1852144