直接融资促进精准扶贫:主要框架与应用创新

Direct Financing and Targeted Poverty Alleviation

推进金融精准扶贫、加强"三农"和偏远地区金融服务,这是我国全面实现小康社会的内在要求。然而,以银行信贷为主的扶贫融资形式在对接农村多样化资金需求方面效果不佳,间接融资门槛较高与精准度较低的问题也严重制约金融扶贫推广的有效性。相比于间接融资,直接融资有利于分散和控制金融风险,促使资源向高质量的农业企业与扶贫项目流动。

Strengthening financial services in remote areas is a critical requirement for China to fully realize its goal of building a well-off society.The goal is to boost financing for poverty alleviation by means of a broad program that would aid agriculture,rural areas and farmers.However,bank credits are the main form of financing for poverty alleviation,and so far these have not been effective in meeting the demands of the rural economy.The higher threshold for receiving indirect financing restricts the effectiveness of poverty alleviation efforts.Direct financing,however,is more conducive to the control of financial risks and promotes the flow of available resources to high-quality agricultural enterprises and poverty alleviation projects.