精准扶贫视角下青海省普惠性金融发展现状探讨.docxVIP

精准扶贫视角下青海省普惠性金融发展现状探讨 摘要 农村金融普惠程度的提升有效缓解了农村金融供需矛盾，其创新模式“资金互助合作社”不仅从农村内部直接缓解了融资难、融资贵的问题，而且有效地改善了中低收入和贫困人口的生活质量。从理论层面结合试点实践全面论述了精准扶贫背景下的农村普惠金融创新发展情况，研究表明，农村普惠金融的创新发展强化了精准扶贫效果，后期发展的重点在于小微非正规的合作金融； 基于产业支撑的金融扶贫才能保持“造血”功能，避免短期的政策脱贫； 虽然当前农村普惠金融创新试点存在着运营经验不足和外部制度缺陷问题，但其金融核心功能发挥良好，值得进一步培育。针对研究结果，从运营推广、制度建设、外部保障方面提出了助推农村普惠金融良性发展的举措建议。 关键词：青海省；精准扶贫；普惠性金融；金融创新 Abstract The promotion of rural finance has effectively alleviated the contradiction of rural financial supply and demand, and its innovative mode "mutual fund cooperatives" not only directly relieves the problems of financing and financing in rural areas, but also effectively improves the quality of life of low-and middle-income and poor people. This paper comprehensively discusses the development of rural general benefit financial innovation in the context of precision poverty alleviation from the theoretical level, and studies show that the innovation and development of the rural Pu-hui finance strengthens the precision poverty alleviation effect, and the later development focuses on the small and informal cooperative finance; The financial poverty alleviation based on industry support can keep the function of "hematopoiesis" and avoid the short-term policy of eradicating poverty; Although there are some problems of operating experience and external system defect in the pilot project of financial innovation in rural areas, the core function of finance plays a good role and deserves further cultivation. In view of the research results, this paper puts forward some suggestions to promote the healthy development of the rural general benefit from the aspects of Operation popularization, system construction and external guarantee. Keywords: Qinghai Province; precision poverty alleviation; general benefit finance; financial innovation 目录 TOC \o "1-3" \h \z \u 1.引言 1 1.1 选题背景及意义 1 1.1.1 选题背景 1 1.1.2 选题意义 2 1.2文献综述 2 1.2.1 相关文献 2 1.2.2 文献简评 3 2.精准扶贫视角下普惠性金融发展的政策分析 3 2.1 精准扶贫视角下青海省普惠性金融的发展现状 3 2