可持续金融精准扶贫模式及路径研究

Research on accurate poverty alleviation model and path of sustainable finance

对于商业银行而言,如何在商业可持续框架下,有效开展精准扶贫尚在探索中,还没有成熟的模式可借鉴。本文结合区域精准扶贫规划,以秦巴山区、六盘山区和吕梁山区三大片区所涉陕西省43个贫困县区为样本,积极探索可持续金融扶贫模式,提出商业银行金融扶贫必须坚持"六大基本原则"和"五个总体思路",探索了"三大类"主要扶贫模式,并通过个案剖析,结合实践效果与评价,提出金融扶贫的"六条路径",研究探索"3566"金融扶贫新思路,对实现金融可持续发展与贫困地区有效脱贫的和谐共赢具有一定的实践意义。

In recent years, the party and the state have placed poverty alleviation and development in an unprecedented prominent position and gradually formed a large poverty alleviation pattern of＂ special poverty alleviation, industry poverty alleviation and social poverty alleviation＂. For commercial banks, how to effectively carry out accurate poverty alleviation under the framework of commercial sustainability is still in exploration, and there is no mature model to draw lessons from. Under the framework of the national supply-side structural reform and in combination with the regional accurate poverty alleviation plan, this paper takes 43 poverty-stricken counties and districts in Shaanxi province involved in the three major areas of qinba mountain region, Liupan mountain region and Lvliang mountain region as samples to actively explore a sustainable financial poverty alleviation model. The study suggests that commercial banks must adhere to the ＂ six basic principles＂ and ＂ five general ideas＂ in financial poverty alleviation, explore the ＂ three major categories＂ of major poverty alleviation modes, and through case analysis, combined with practical results and evaluation, put forward the ＂ six paths＂ for financial poverty alleviation, and study and explore the ＂ 3566＂ new thinking of financial poverty alleviation, which has certain practical significance to realize the harmony and win-win situation offinancial sustainable development and effective poverty alleviation in poor areas.