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文章基于对庄浪县3个村43户贫困户开展的实地调查和问卷调查结果,分析了样本贫困户基本情况、收入来源和致贫原因,总结了精准扶贫小额贷款使用情况及取得的效果,指出精准扶贫贷款中存在缺乏可持续发展能力、农户还款能力受到多方面因素的制约、农户后续贷款需求意愿不强、精准扶贫贷款政策性强但商业性不足等问题,并提出了相应的对策建议。
Based on the field survey and questionnaire survey of 43 poor households in 3 villages of Zhuanglang County, the article analyzes the basic conditions of the poor households, the sources of income and causes of poverty, and summarizes the use of the accurate poverty alleviation loans and the results achieved Pointed out that the problems of lack of sustainable development in precision aiding loans, the repayment ability of farmers are affected by many factors, the desire of follow-up loans of peasants is not strong, the policies of precision aiding loans are poor but the commercial problems are inadequate, and the corresponding Suggestions.