南平金融扶贫实践与发展思路研究摘要金融扶贫是扶贫的有效形式。南平县是全国23个省级重点扶贫开发县之一。也是全国第二批农村改革试点地区，承担综合扶贫开发改革试点工作。本研究以南平县为研究视角，探讨南平县金融扶贫的现状与问题,并优化路径。在对南平县实证分析的基础上，提出了南平县财政扶贫的问题。因此，本研究提出鼓励和引导更多的金融机构参与信贷扶贫，激活贫困户有效贷款需求，促进扶贫资金有效整合，完善风险补偿机制，加快建设财政援助队。关键词：金融扶贫；现状；问题；优化；南平县NanpingFinancialPovertyAlleviationPracticeandDevelopmentThinkingAbstractPovertyalleviationthroughfinanceisaneffectiveformofpovertyalleviation.NanpingCountyisoneofthe23provincial-levelkeypovertyalleviationanddevelopmentcountiesinthecountry.Itisalsothecountry’ssecondbatchofpilotruralreformareasandisresponsibleforpilotingcomprehensivepovertyalleviationanddevelopmentreforms.ThisstudyusesNanpingCountyastheresearchperspectivetoexplorethestatusandproblemsoffinancialpovertyalleviationinNanpingCountyandoptimizethepath.BasedontheempiricalanalysisofNanpingCounty,theproblemoffinancialpovertyalleviationinNanpingCountywasproposed.Therefore,thisstudyproposestoencourageandguidemorefinancialinstitutionstoparticipateinpovertyalleviationthroughcredit,activatethedemandforeffectiveloansforpoorhouseholds,promotetheeffectiveintegrationofpovertyalleviationfunds,improveriskcompensationmechanisms,andacceleratetheconstructionoffinancialaidteams.Keywords:financialpovertyalleviation;currentsituation;problems;optimization;NanpingCounty目录摘要............................................................1Abstract............................................................21.引言..............................................................41.1南平县农村金融扶贫现状分析..................................41.1.1南平县经济发展现状分析.................................41.1.2南平县金融扶贫现状.....................................41.1.3南平县金融扶贫模式.....................................61.2南平县金融扶贫的主体........................................61.2.1政府...................................................61.2.2商业银行...............................................61.2.3农村农业保险机构.......................................61.2.4政策性银行.............................................61.3南平县金融扶贫的主要做法....................................71.3.1采取整村推进的方式.....................................71.3.2发展当地特色农业.......................................71.3.3制定金融扶贫相关政策...................................72.南平县金融扶贫存在的主要问题及成因................................82.1南平县金融扶贫存在的主要问题................................82.1.1金融扶贫思路落后.......................................82.1.2贫困地区金融机构少.....................................82.1.3扶贫贷款风险防控难.....................................82.1.4扶贫信贷担保不给力.....................................92.2南平县金融扶贫存在的主要问题的原因分析.....................102.2.1南平县缺乏完善的金融政策..............................102.2.2市场借贷不规范........................................102.2.3扶贫信贷运营体制偏离扶贫目标..........................102.2.4政府职能不到位........................................113.完善贫困县金融扶贫模式的建议.....................................113.1改善金融扶贫发展条件........................................113.1.1改善金融...
