我国农村金融机构扶贫现状及影响因素分析

An Analysis of the Current Situation and Influencing Factors of Poverty Alleviation in Rural Financial Institutions in China

近年来,在政府的积极引导下,我国农村金融机构一直积极参与精准扶贫工作,并成为扶贫开发工作中的一个重要组成部分。虽然,目前我国农村金融机构扶贫工作取得了一些阶段性的成果,但是在金融支持扶贫的过程中也暴露了一些问题,如扶贫方式单一、扶贫成本高、金融资源有效利用率低等问题。本文通过对扶贫过程中出现的问题进行深入地讨论和分析,认为可以从建立农村金融机构与电商合作、完善风险补偿制度、健全农村信用体系等几个角度来提高我国农村金融机构扶贫的有效性,从而实现精准扶贫工作的顺利进行。

In recent years,under the guidance of the government,rural financial institutions have been actively involved in targeted poverty alleviation work and become an important part of targetedpoverty alleviation and development work.Although the targeted poverty alleviation work of rural financial institutions in China has made some achievements at the present stage,some problems have been exposed in the process of financial support to targeted poverty alleviation,such as single poverty alleviation method,high cost of poverty alleviation and low efficiency of financial resources utilization.This paper discusses and analyzes the problems in the process of targeted poverty alleviation,and points out that it is possible to improve the effectiveness of the rural financial institutions by establishing the rural financial institutions to cooperate with the E-commerce providers,completing the risk compensation system and the rural credit system to achieve the accurate work of poverty alleviation work smoothly.