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扶贫开发贷款是国家解决贫困地区农民温饱问题的重要资金投入,是实施开发和扶贫战略的主要资金力量。扶贫开发贷款的现状及问题,诸如资产质量低下,信用观念淡薄,行政干预过大等在其它文章中已论述的很多。除此之外,我认为有两个问题谈及的较少: 一是资本金及配套资金严重短缺,地方和企业自筹资金难以到位问题。《国家扶贫资金管理办法》规定,
Poverty Alleviation and Development Loans is an important capital investment by the state in solving the problem of adequate food and clothing for peasants living in poverty-stricken areas and a major financial force for the implementation of development and poverty alleviation strategies. The status quo and problems of poverty alleviation and development loans, such as low quality of assets, weak credit concept and excessive administrative intervention, have been discussed in other articles. In addition, I think there are two issues that are not mentioned much: First, there is a serious shortage of capital funds and supporting funds, and problems that local governments and enterprises can hardly raise their own funds for. “National poverty alleviation fund management approach” provides that,