农村信用体系建设推动精准扶贫的调查与思考  

A Survey on Rural Credit System Construction Promoting Targeted Poverty Alleviation in Zhangjiajie City

作　　者：陈生霞[1] CHEN Shengxia(Zhangjiajie City Central Sub-branch of the People＇s Bank of China, Zhangjiajie , Hunan 427000, Chin)

机构地区：[1]中国人民银行张家界市中心支行,湖南张家界427000

出　　处：《征信》2017年第2期62-65,共4页Credit Reference

摘　　要：通过对张家界市农村信用社关于推动精准扶贫工作进行调研,认为扶贫工作还存在配套兜底资金少、贴息政策不太合理、工作程序繁杂、实际操作难、"分贷统还"模式下隐含不良信用转嫁风险等问题。政府应加大扶贫配套兜底资金的比例,提高贫困农户的信用评级贷款额度,采取更为合理的信贷模式,以促进扶贫工作更好地开展。A Survey is made on promoting targeted poverty alleviation conducted by the rural credit cooperatives of Zhangjiajie city. Such problems exist as less capital for poverty alleviation work, unreasonable discount policy,difficult and complicated procedures, bad credit risk transfer underlying in the ＂loan on installment, repayment once for all＂ model. The government should increase the proportion of funds supporting poverty alleviation, raise the poor farmers＇ credit rating loan amount, and take a more reasonable credit loan model, so as to promote the development of poverty alleviation.

关 键 词：信用体系建设 精准扶贫 农户信用评级 小额扶贫贷款 

分 类 号：F832.35[经济管理—金融学] F323.8