农村金融反贫困的逻辑:宁夏案例

The Logic of Rural Financial Anti-poverty: A Case Study of Ningxia Province

通过对宁夏自治区金融反贫困的实践进行案例研究发现,农村金融反贫困体系的构建有助于为贫困地区的农户及中小企业发展提供资金支持,在一定程度上提高弱势群体自力更生的能力,并有助于优化地方金融生态环境,最终促进贫困人口的减少。宁夏个案的经验表明,只有构建面向穷人和低收入群体的普惠型农村金融体系才能有效发挥金融反贫困作用,同时还要将地方政府在农村金融发展中的角色定位在引导、协调、监管与激励上。

Through the case study of rural financial anti-poverty in Ningxia Province, this paper found that the construction of rural financial anti-poverty systems contribute to provide financial supports for farmer households and small and medium-sized enterprises. To some extent it also improves the self-reliant ability of vulnerable groups and helps to optimize regional financial ecological environments. Thus, this could promote the reduction of the poverty population. The Ningxia experience indicated that only an inclusive rural financial system which targets the poor and low income groups could effectively take the function of financial anti-poverty. Also, in the process of the rural financial development, local governments should position themselves as playing the role of guiding, coordinating, supervising and motivating.