中国信贷扶贫政策演变评述及巩固脱贫攻坚成果的改进思考

Comments on the Evolution of China's Credit Poverty Alleviation Policy and Thoughts on Consolidating the Achievements of Poverty Alleviation

中国信贷扶贫三十多年的发展中始终伴随着政府和市场如何配合的问题。论文通过对中国信贷扶贫政策演变的分析发现,扶贫小额信贷政策实施之前的信贷扶贫均未有效缓解贫困户的信贷排斥。进一步,结合相关研究对造成上述结果的原因进行了分析,并从政府和市场作用的角度展开考察,发现只有政府和市场在适当的层面上发挥作用才能缓解贫困户的信贷排斥。在扎实推进共同富裕的历史阶段,对低收入农户的信贷帮扶仍然需要政府与市场协调配合,以有为政府促成有效市场,持续为巩固脱贫成果和全面推进乡村振兴注入金融活水。

Through the analysis of the evolution of China's credit poverty alleviation policy,this paper finds that the credit poverty alleviation before the poverty alleviation microfinance policy has not effectively alleviated the credit exclusion of poor households.Furthermore,based on relevant research,this paper analyzes the causes of the above results from the perspective of government and market,and finds that only when the government and market play their roles at an appropriate level can the credit exclusion of poor households be alleviated.In the next stage,the credit assistance to low-income farmers still needs the coordination between the market and the government,and continue to provide financial support for rural revitalization.