农村商业银行精准扶贫贷款现状与建议——以江苏为例

Current Situation and Suggestions of Targeted Poverty Alleviation Loans of Rural Commercial Banks--Take Jiangsu as an Example

精准扶贫是运用金融工具、货币政策、贷款方式对贫困地区实施帮扶,地方农村商业银行因服务于“三农”、熟悉“三农”而成为参与精准扶贫的重要力量。本文以江苏六家上市农村商业银行为调查研究对象,分析精准扶贫贷款特征、投放状况、成效及不足,提出优化扶贫贷款的精准性及完善风险管理的建议。

Targeted poverty alleviation is the use of financial tools,monetary policies,and loan methods to help poor areas.Local rural commercial banks have become an important force in participating in targeted poverty alleviation because they serve the“three rural areas”and are familiar with the“three rural areas”.This paper takes six listed rural commercial banks in Jiangsu as the research object,analyzes the characteristics,distribution status,effectiveness and shortcomings of targeted poverty alleviation loans,and puts forward suggestions on optimizing the accuracy of poverty alleviation loans and improving risk management.