金融机构在水库移民直补资金中的金融功能探讨——以江西省黎川县为例

Function of financial institutions in subsidy funds of reservoir immigrants:case study of Lichuan County of Jiangxi Province

以水库移民直补资金为切入点,描述了当前金融机构在直补资金发放中承担的支付媒介功能,分析了在直补资金发放中金融机构的金融功能受制因素。借助案例得出以下结论:信用贷款存在有效需求,金融机构应为有融资需求且享受直补资金的移民提供融资服务;直补资金转为小额贷款模式能够发挥金融机构的金融功能,提高直补资金的使用效益。

Based on the subsidy funds of reservoir immigrants,the payment function of the current financial institutions in providing the subsidy funds is introduced,and the constraint factors for their financial function are analyzed.The following conclusions are drawn with the aid of a case study: the credit loan has effective demand,and the financial institutions should provide financial services for immigrants with financial demand and in possession of subsidy funds.The mode of subsidy funds transformed into microcredit loan can enhance the function of financial institutions and improve the utility efficiency of the subsidy funds.