精准扶贫、信息共享与贫困农户金融服务创新——以张家界金融产业扶贫为例

Accurate Poverty Alleviation,Information Sharing and the Innovation of Financial Services for Poor Rural Households:A Case Study of Zhangjiajie Financial Industry

精准扶贫的特点在于对贫困户的精准识别与信息共享,并以此降低金融机构向贫困农户获取信用的搜寻成本,为贫困农户提供金融服务创新奠定了新的基础。精准扶贫将贫困地区的贫困农户识别出来,集合为贫困户数据库,在此基础上与农村的社区信用结合形成了基于精准扶贫的信息共享机制,从而扩大了农户的信用范围,提高了贫困农户的金融缔约能力,降低了贫困农户企业家行为的成本,为提高贫困农户的自生能力创造了有利条件。

Accurate poverty alleviation is characterized by accurate identification of poor households and information sharing, with the purposes of lowering the search cost that financing institutions get credit information from the poor household. This way can lay the foundation of providing financial innovation service to the poor . Poverty alleviation will distinguish the poor household from poverty--stricken area, gathering the database of the poor households, form- ing sharing information mechanism with the rural communities＂ credit. It will enlarge the scope of rural households＂ credit, improve the ability of poor households＂ financial contracting, lower the cost of poor households＂ entrepreneurial behavior and create favorable conditions for improving the viability of poor households.