“互联网+协会+信贷”助力金融精准扶贫——基于“西乡模式”的案例研究

“Internet+Association+Credit”Helps Financial Accurate Poverty Alleviation-A Case Study Based on the“xixiang Model”

陕西西乡在传统的P2P网络信贷发展基础上,通过西乡妇女发展协会更好地实现线上线下的精准识别与风险规避,通过"爱心人士——P2P平台——妇女发展协会——农村妇女"的公益信贷模式,将商业性与公益性结合,达到信贷可持续的金融扶贫目标。本文基于金融精准扶贫视角,结合国内现有经验,对"西乡模式"从组织机构、资金来源、信贷模式等方面进行深入剖析。

Shaanxi Xixiang in the development of P2P network,based on the traditional credit line, through the xixiang women＇s development association to better realize the accurate identification and risk aversion online and offline,with the public benefit credit model of ＂love people--P2 P platform--women＇s development association--rural women＂, combining the commercial and public welfare,combining commercial and public welfare, to achieve sustainable credit the target of financial poverty alleviation.Based on the perspective of financial precision and poverty alleviation, combined with the existing experience in China, this paper makes an in-depth analysis of the ＂xixiang model＂ from the organizational structure, the source of funds,the credit model and so on.