金融扶贫

金融扶贫

金融扶贫是脱贫攻坚适应市场经济要求、拓展资金渠道的新举措,是扶贫投入的重大创新,是脱贫攻坚最强有力的支撑。具体来说,金融扶贫是指在中央政府主导下,各级政府、金融机构、各类企业或非企业社会组织参与扶贫开发,主要面向贫困地区和贫困人群提供综合金融服务,扶持低收入和贫困农户生产和经营,帮助其摆脱贫困、增加收入,实现自力更生,提高经济社会地位。

在长期扶贫开发探索和实践中,金融扶贫政策和机制不断完善和创新,从最开始实施扶贫贴息贷款到推广小额信贷(微型金融),从探索金融扶贫模式到初步形成金融扶贫政策体系,再到普惠金融、金融科技的发展支持下的精准扶贫战略,金融扶贫被越来越广泛地应用于中国扶贫开发的各个领域,在中国扶贫开发过程中发挥着越来越重要的作用。金融扶贫已成为推进中国扶贫开发的一项有效工具和重要手段。

Financial Measures for Poverty Alleviation

Financial measures are adopted in response to market demand. With more fund-raising channels, they help increase input and offer powerful support to China’s poverty elimination campaign.

Under the guidance of the central authorities, local governments, financial institutions, enterprises and social organizations have played their roles in providing comprehensive financial services to poor areas and poor people, supporting low-income and poor rural households in production and business, and helping them escape poverty, increase income and enhance their economic and social status.

Relevant financial policies and mechanisms have improved, from soft loans to micro loans, from exploring the mode of financial assistance to devising a range of financial policies for poverty alleviation, and to targeted poverty alleviation supported by inclusive finance and financial technologies. Financial measures are applied extensively in China’s development-oriented poverty relief, and have become an effective tool in the campaign of poverty alleviation.