金融精准扶贫:模式、困境及对策——以河北省为例

Financial Precision Poverty Alleviation: Models, Difficulties and Countermeasures Take Hebei Province as an Example

本文首先对河北省金融精准扶的发展现状进行概括,主要表现为扶贫方式不断创新,金融机构积极参与,农民收入明显提高。其次,基于对现状的分析总结出河北省金融扶贫主要模式,主要包括"政府担保+保险保证+金融机构+贫困农户"、"企业担保+金融机构+贫困农户"、"公益性小额信贷+贫困农户"等金融扶贫模式。然后,文章分析了河北省金融精准扶贫面临困境主要表现为产业基础薄弱、信用环境不佳、金融机构较少,产品创新不足、相关配套不够等。最后,文章提出了通过立足特色优势产业、加强信用环境建设、创新金融产品服务、完善相关配套机制等措施来解决出现的问题。

This paper summarizes the current situation of the development of fi nancial precision aid in Hebei Province, mainly for the innovation of the way of poverty alleviation, the active participation of financial institutions, and the obvious increase of farmers＇ income. Secondly, the analysis of the status quo of Hebei Province, summed up the main financial poverty alleviation mode based on, including ＂government guarantee ＋ insurance ＋ financial ＋ farmers＂, ＂enterprise guarantee ＋ fi nancial ＋ farmers＂, ＂public welfare microfi nance ＋ poor farmers＇ fi nancial poverty alleviation mode. Then, the article analyzes the difficult situation of financial precision poverty alleviation in Hebei Province, mainly for the weak industrial foundation, poor credit environment, less financial institutions, inadequate product innovation and inadequate matching. Finally, the paper puts forward some measures to solve the problems, such as basing on characteristic industries, strengthening the construction of credit environment, innovating the service of fi nancial products and perfecting relevant supporting mechanism.