邯郸市扶贫贷款的现状问题及对策研究.docxVIP

PAGE PAGE 8 PAGE PAGE 9 邯郸市扶贫贷款的现状、问题及对策 摘要 习近平总书记在党的十九大报告中强调，坚决打赢脱贫攻坚战，让贫困人口和贫困地区同全国一道进入全面小康社会是我们党的庄严承诺。要动员全党全国全社会力量，坚持精准扶贫，精准脱贫，确保到2020年我国现行标准下农村贫困人口实现脱贫。本文对邯郸市扶贫贷款工作的开展情况进行了分析，并且以本人所在农村的贫困户为对象，通过问卷调查的方式了解了一下扶贫贷款的使用情况。调查发现，邯郸市各部门积极参与脱贫攻坚工作，在促进贫困人口脱贫、贫困农户增产增收以及带动贫困地区经济发展和提高贫困人口生活质量方面取得较大成就，但在推进扶贫贷款项目落实过程中，仍存在扶贫贷款政策宣传落实不到位，贫困户认知有偏差，扶贫贷款使用不够规范，扶贫贷款管理体系不够完善，扶贫贷款手续较复杂，审批效率待提高，扶贫贷款项目与贫困户匹配度不高和部分贫困户自身发展能力较差的问题。为此，邯郸市应加强宣传和监管，规范扶贫贷款的使用，加强各部门分工协作，简化贷款调查及发放手续，科学规划扶贫项目，增强贫困户利用扶贫贷款的发展能力，举全市之力共同打赢这场脱贫攻坚战。 关键词:金融扶贫；扶贫贷款；邯郸市 Abstract In the 19th congress report of the communist party of China, general secretary Xi Jinping stressed that it is a solemn commitment of the CPC to resolutely win the battle against poverty and ensure that the impoverished people and the poor area enter an all-around well-off society together with the whole country. We need to mobilize the whole party and the whole society to adhere to targeted poverty alleviation and ensure that the rural poor will be lifted out of poverty by 2020 under the current standards in our country. This paper analyzes the development of poverty alleviation loans in Handan, and studies the use of poverty alleviation loans in the poor households in my rural area through questionnaires. The survey found that Handan municipal departments actively participate in poverty alleviation work and have made great achievements in promoting poverty alleviation among the poor,increasing the production and income of poor farmers, promoting economic development in poor areas and improving the quality of life of the poor. However, there are still some problems such as inadequate publicity and implementation of the poverty alleviation loan policy, poor households’ cognitive bias, the nonstandard use of poverty alleviation loans, the imperfect management system of poverty alleviation loan, the complicated procedures for poverty alleviation loan, the need to improve the approval efficiency, the low matching degree between poverty al