关于加大金融支持精准扶贫力度的研究

The research on increasing financial support for precise poverty alleviation

金融支持精准扶贫是我国现阶段脱贫的主要手段。从实践来看,金融支持精准扶贫具有比较优势和不可替代的独特作用,但也存在一些问题。如,国家层面至今没有明确金融扶贫的主体责任,国家出台相关的扶贫政策文件只有原则,没有细则,实践中难以操作。进一步改进金融扶贫工作,应完善及明确国家金融支持扶贫的制度和政策,将财政资金明确为金融扶贫资金的贴息、担保和风险补偿资金,建立国家级的财政扶贫担保机构和风险补偿机构,建立国家级的政策性农业保险机构,将金融扶贫的主要职能落实到具体金融机构,高标准选定金融支持项目,创新农村金融产品和服务方式,大力推进贫困地区金融生态环境建设。

Financial support is the most important means of poverty alleviation in China at this stage.From a practical point of view,financial support for precise poverty has a comparative advantage and irreplaceable role,but there are some shortcomings,for example,the main responsibility for financial poverty relief has not yet been clarified at the national level,the relevant national policy documents on poverty alleviation have rules but without operation details,making hard to follow in practice.To further improve the financial poverty alleviation,the government should perfect and clarify national regulation and policies on financial support for poverty alleviation,make clear financial funds as discounted,guaranteed and risk compensated funds,establish a national financial poverty alleviation guarantee institution and risk compensation institution,establish a national policy agricultural insurance institution,implement the main functions of financial institutions for poverty alleviation to specific financial institutions,select financial support projects to the highest standards,innovate rural financial products and services,and vigorously drive financial ecological environment construction in poor areas.