金融精准扶贫是新时期党中央扶贫开发的重要制度安排，是脱贫攻 坚的重点工程。农行SY 分行作为四大国有商业银行之一，坚决贯彻党 中央国务院及上级行的决策部署，高度重视金融扶贫工作，以习近平新 时代中国特色社会主义思想和习近平“三农”工作新理念新思想新战略为 指导，建制度、推产品、创模式，加大对SY 市各县区的金融支持力度， 突出抓好金融精准扶贫工作，并创造出了一套有特色、有品质、有亮点 的金融精准扶贫模式，彰显其金融价值，展现其金融担当。 本文在金融精准扶贫模式相关理论的指导下，分析了农行 SY 分 行的五种金融精准扶贫模式，即政府增信银政共管模式、惠农担模式、 互联网金融模式、驻村帮扶和其他金融精准扶贫模式。然后运用 SWOT 分析法，对农行 SY 分行金融精准扶贫模式的优势，劣势，以 及面临的机遇和威胁进行了深入分析。最后针对其发展的劣势和面临 的威胁，从完善金融管理模式、发展金融精准扶贫创新模式、推进互 联网金融扶贫、健全扶贫人才队伍建设四个方面对后续农行 SY 分行 金融精准扶贫模式的发展提出合理可行的建议。 论文对农行 SY 分行金融精准扶贫模式的研究，不仅有助于 SY 市扶贫工作的有效进行，而且对农行金融精准扶贫模式创新、实施乡 村振兴战略也是具有积极影响的。同时对于跟 SY 市具有类似情况的 其他贫困地区的扶贫工作提供借鉴作用。 关键词：农行 SY 分行，金融精准扶贫模式，SWOT 分析III ABSTRACT Financial targeted poverty alleviation is an important institutional arrangement and a priority project that the CPC central committee set up for poverty reduction and development in the new era. As one of the four state-owned commercial banks, Agricultural Bank of China SY Branch firmly follow and implement the decisions and arrangements, put a high value on financial targeted poverty alleviation. Under the guidance of Xi Jinping thought on socialism with Chinese characteristics for a new era， and the new ideological strategy of "agriculture, rural areas and farmers", SY Branch strengthen financial support for the city of SY, focus on financial targeted poverty alleviation work, and create a set of characteristics, high-quality, and highlighted financial targeted poverty alleviation model by building the system, promoting the products, creating new pattern, which demonstrates its financial value and take its financial responsibility. With the reference to the theory of financial targeted poverty alleviation model, this paper analyzes the five types of financial targeted poverty alleviation of SY branch ofAgricultural Bank of China, including the model of increasing the credit under the government-bank co-management, the Benefit Farming model, the Internet financial model, the targeted village support model and other financial targeted povertyIV alleviation models. Then it use the SWOT analysis method to make an in-depth analysis of the advantages, disadvantages, opportunities, and threats of the financial targeted poverty alleviation model of the Agricultural Bank of China SY branch. Finally, based on its development disadvantages and threats, practical advices are offered to the Agricultural Bank of China SY branch to develop financial targeted poverty alleviation model from four aspects: perfecting the financial management model, developing financial targeted poverty alleviation innovation models, promoting Internet financial poverty alleviation, and improving the construction of the poverty alleviation talent team. The research on the financial targeted poverty alleviation model of SY branch of Agricultural Bank of China not only contributes to the effective poverty alleviation work of SY city, but also has positive influence on the innovation of financial targeted poverty alleviation model and the implementation of rural revitalization strategy of Agricultural Bank of China. At the same time, it provides reference for poverty alleviation work in other poor areas with similar conditions in SY City. Key words: Agricultural Bank of China SY Branch，Financial targeted poverty alleviation model，SWOT analysis目 录 摘要.......................................................................................................... I ABSTRACT..............................................................................................III 1 绪论..........................................................................................................1 1.1 研究背景和研究意义...................................................................1 1.1.1 研究背景.............................................................................1 1.1.2 研究意义.............................................................................1 1.2 国内外研究现状综述...................................................................2 1.2.1 国外研究现状综述.............................................................2 1.2.2 国内研究现状综述.............................................................4 1.3 研究方法....................................................................................... 8 1.3.1 文献研究法..........................................................................8 1.3.2 调查访谈法..........................................................................8 1.3.3 案例分析法..........................................................................8 1.3.4 SWOT 分析法........................................................................9 1.4 研究内容....................................................................................... 9 1.5 创新之处..................................................................................... 10 2 金融精准扶贫模式的理论基础...........................................................12 2.1 小额贷款扶贫相关理论.............................................................12 2.1.1 金融抑制理论...................................................................12 2.1.2 金融排斥理论...................................................................12 2.1.3 金融约束理论...................................................................13 2.2 农村金融发展理论.....................................................................13 2.2.1 农业信贷补贴理论...........................................................132.2.2 农村金融市场理论...........................................................14 2.2.3 不完全竞争市场论...........................................................14 2.3 金融创新理论.............................................................................15 3 农行 SY 分行金融精准扶贫模式类型的分析....................................17 3.1 SY 市和农行 SY 分行基本情况..................................................17 3.1.1 SY 市概况..........................................................................17 3.1.2 农行 SY 分行概况.............................................................18 3.2 政府增信银政共管模式..............................................................19 3.2.1 概念.................................................................................... 19 3.2.2 该模式下主要产品............................................................20 3.3 惠农担模式.................................................................................. 25 3.3.1 惠农担-粮食贷..................................................................26 3.3.2 惠农担-生猪贷..................................................................27 3.3.3 惠农担-柑橘贷..................................................................29 3.4 互联网金融模式..........................................................................30 3.4.1 惠农 e 贷............................................................................31 3.4.2 惠农 e 付............................................................................32 3.4.3 惠农 e 商............................................................................33 3.5 驻村帮扶...................................................................................... 34 3.6 其他金融精准扶贫模式..............................................................35 4 农行 SY 分行金融精准扶贫模式 SWOT 分析..................................37 4.1 优势...............................................................................................37 4.1.1