论文部分内容阅读
小额信贷作为一种引进的扶贫模式 ,其独到的创新之处在于 :精确扶贫目标单位、主张贫困者的自主扶贫、关注贫困妇女的生存状况、注重物质资本与人力资本的双重积累等。因而也更符合我国新时期扶贫工作的需要。然而 ,经济运行的日益市场化以及西部地区独有的区情、民情 ,使小额信贷扶贫模式在西部地区的推展不可避免地遇到了诸多的矛盾和障碍。本文在对这些矛盾和障碍进行分析的基础上 ,着重从筹资渠道的拓宽、本土化创新、政府促进、以及与现有的农村金融体系的结合等方面提出了若干相关的对策和建议
Microcredit, as an introduced mode of poverty alleviation, has its unique innovation in precisely targeting poverty-stricken units, advocating poverty alleviation by the poor, paying attention to the living conditions of poor women and focusing on the dual accumulation of material capital and human capital. Therefore, it is also more in line with the needs of poverty alleviation in the new era of our country. However, with the increasingly marketization of the economy and the unique sentiments and feelings of the people in the western region, the development of the poverty alleviation model in microcredit in the western region inevitably encountered many contradictions and obstacles. Based on the analysis of these contradictions and obstacles, this paper puts forward some countermeasures and suggestions on how to broaden the channels of fund-raising, localization and innovation, government promotion and combination with the existing rural financial system.