深度贫困地区资金互助社扶贫模式的经验、问题和对策——来自新疆南疆和田地区C县的实践

Poverty Alleviation Model of Mutual Funds Cooperatives in the Least-developed Region:Experience,Problem and Recommendation——Practical Experience of Hetian C County,Southern Xinjiang

文章认为相较以往的“普惠式”扶贫,当前以深度贫困地区为脱贫攻坚对象的扶贫工作更需要兼顾时效性和精准性。新疆和田地区C县的资金互助社扶贫模式的实践经验显示,资金互助社不仅能尽快为贫困户提供从事农业生产活动的启动资金,而且由于当地政府的监管介入,在扩大资金服务覆盖面方面并未显现“嫌贫爱富”的特性;当然,目前的资金互助社扶贫模式也存在着贫困户资金需求意愿低、资金供需匹配性弱和互助社风险识别能力下降的问题。针对存在的问题,作者进行了积极而富有成效的探索。

Compared with the previous generalized preferential treatment to eradicate absolute poverty,the current poverty alleviation work in the region needs to take both timeliness and precision into account.According to the practical experience of poverty alleviation model of mutual fund cooperatives in C County of Hetian area in southern region of Xinjiang,it is shown that mutual fund cooperatives can not only provide start-up funds for poor households to engage in agricultural production activities as soon as possible,but also do not show the characteristics of "suspicion of poverty and love of wealth"in expanding the coverage of financial services based on the supervision and intervention of local governments.However,the current poverty alleviation model of mutual funds also has the problems of low willingness of poor households to fund demand,weak matching between supply and demand of funds and declining risk identification ability of mutual funds.In view of the existing problems,the author has carried on some active and fruitful exploration.