西部地区金融支持精准扶贫的难点与对策

发布时间：2018-02-28 18:52

本文关键词： 西部地区金融支持精准扶贫难点　出处：《改革与战略》2017年02期 　论文类型：期刊论文

【摘要】：精准扶贫指在准确把握扶贫对象所在的外部环境以及贫困程度的基础上确定扶贫政策以及扶贫方式,精准扶贫要求金融支持的精度高、准度充分。当前金融机构支持精准扶贫的难点有:恶劣的自然条件,使金融扶贫风险增加;基础设施条件差,增加了金融扶贫成本;不合理的农村产业结构,使金融扶贫难度增加;西部贫困地区的生态环境遭到破坏,增加了信用评级难度;配套设施不足,导致金融机构缺乏参与扶贫开发的动力等问题。文章提出重视对贫困人工建档立卡、明确帮扶对象、不断完善监管精准扶贫贷款管理模式、实现财政政策与金融政策的协调统一、构建完善的精准扶贫贷款风险补偿机制等加强金融扶贫工作的对策。
[Abstract]:Precision poverty alleviation means that on the basis of accurately grasping the external environment and the degree of poverty of the poverty-stricken object, we determine the pro-poor policies and ways of aiding the poor. Precision poverty alleviation requires high precision of financial support. The difficulties of financial institutions in supporting accurate poverty alleviation at present include: poor natural conditions that increase the risk of financial poverty alleviation; poor infrastructure conditions that increase the cost of financial poverty alleviation; and irrational rural industrial structures. It has made it more difficult to help the poor by financial means; the ecological environment in the poverty-stricken areas in the west has been damaged, making it more difficult to rate credit; and the supporting facilities are insufficient. As a result of the lack of motivation for financial institutions to participate in poverty alleviation and development, the article proposes to attach importance to the establishment of artificial credit cards for poverty, to define the object of help, and to constantly improve the management model of the supervision of precision poverty alleviation loans. To realize the coordination and unification of financial policy and financial policy, and to build a perfect mechanism of risk compensation for poverty alleviation loans, and other countermeasures to strengthen the work of financial poverty alleviation.
【作者单位】：重庆市涪陵区委党校;
【分类号】：F323.8;F832.43

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