扶贫再贷款政策效应传导瓶颈及对策--以宁夏固原市为例

Bottleneck and Countermeasure of Poverty Alleviation Re-lending Policy Effect Conduction:A Case Study of Guyuan City of Ningxia Region

扶贫再贷款政策效应主要通过信贷市场流动性、信贷结构、贷款利率等渠道传导。本文基于对六盘山集中连片特困地区的宁夏固原市实地调查,发现扶贫再贷款政策效应传导中存在流动性扩张边际效应递减、运用扶贫再贷款资金发放贷款投向结构单一、政策利率定价方式减弱利率传导效应等问题,进而提出了细分扶贫再贷款投向用途、实施贷款成本利率定价、扩大扶贫再贷款发放对象范围、优化扶贫再贷款事后管理等对策。

The effect of poverty alleviation re-lending policy is mainly conducted through channels such as credit market liquidity,credit structure and loan interest rate.Based on a field survey of Guyuan city of Ningxia district in the Liupan Mountains concentrated poorer area,this paper finds that there are some problems in the effect transmission of poverty alleviation re-lending policy such as the diminishing marginal effect of Liquidity Expansion,using poverty alleviation relending funds to lend loans to invest in a single structure and the policy interest rate pricing reduces interest rate transmission effect.It puts forward some policy optimization strategies,such as subdividing the use of poverty alleviation re-lending funds,implementing the interest rate pricing of the loan cost,expanding the scope of the object of poverty alleviation re-lending and simplifying the post supervision process of poverty alleviation re-lending.