中国金融精准扶贫的实践与创新

Practices and Innovation of Targeted Financial Poverty Alleviation in China

实施精准扶贫战略以来,由于脱贫攻坚各项工作对资金、信贷和融资的需求越来越大,金融精准扶贫承担了更加重要的任务。为此,中国政府构建了金融扶贫精准对接的政策体系和农村金融扶贫组织体系,涵盖国开行、农发行等开发性和政策性金融,农行和邮储银行等大型商业金融,以及城商行、农商行、农合行、农信社、村镇银行等小微商业金融。各金融扶贫主体创新推出多元化的金融产品与服务、保险产品与服务,并探索实施了促进贫困地区发展经济的投融资渠道。中国金融精准扶贫取得了显著成效,并提供了中国经验。

Since the implementation of the strategy of targeted poverty alleviation,the demand for funds,credit and financing in poverty alleviation has been increasing.Financial targeted poverty alleviation has undertaken a more important task.In doing so,the Chinese government has built a policy system which guarantees accurate docking of the needs and supplies of finance and an organizational system of rural financial poverty alleviation that covers development and policy oriented financial institutes such as Chinese Development Bank and Agricultural Development Bank of China,large commercial financial institutes such as Agricultural Bank of China and Postal Savings Bank of China,and small and micro commercial financial institutes such as urban commercial banks,rural commercial banks,rural cooperative banks,rural credit cooperatives and country banks.Various financial poverty alleviation institutes have innovated and launched diversified financial products and services,insurance products and services,and explored and implemented investment and financing channels to promote economic development in poor areas.China s targeted financial poverty alleviation has achieved remarkable results and provided Chinese experience.