I 摘要 党的十八大以来，以习近平同志为核心的党中央把脱贫攻坚摆到治国理政的 重要位置，党的十九大、近两年全国金融工作会议与中央经济工作会议要求要坚 决打好脱贫攻坚战，将其作为决胜全面建成小康社会的三大攻坚战之一，社会各 界采取超常规的举措，全面吹响打赢脱贫攻坚战役的号角。商业银行作为金融扶 贫的重要参与者，对脱贫攻坚起着至关重要的作用，然而，商业银行本就以安全 性、流动性、效益性为经营原则，其本质是以盈利为目标，面对贫困群体的诚信 意识不足、扶贫贷款违约率较高、贷款损失风险较大等突出问题，商业银行应如 何在确保自身健康可持续发展的前提下，做好金融精准扶贫工作,打好金融助推脱 贫攻坚这一场至关重要的战役?值得我们每个金融人研究。 本文运首先用文献梳理法对国内外关于贫困概念、金融扶贫的研究现状进行 了梳理，对研究现状进行了述评分析，为本研究奠定了理论基础，并明确了本文 研究的重点与方向；然后，以Y商业银行为例，采用调查研究法，对Y商业银行 在不同的内外部背景情况下创新推出的三种不同金融扶贫贷款模式进行深入调查 研究，采用统计分析法，研究不同金融扶贫贷款模式推出背景、扶贫成效、贷款 风险与银行收益，并分别以三种不同扶贫模式下最具代表性的贷款户为例，研究 每一种模式扶贫的具体方式、扶贫成效；其次，采用对比分析法将调研情况与Y 银行现有数据结合，从价值取向、扶贫成效、贷款风险、社会效应四方面对Y商 业银行三种金融扶贫贷款模式进行深入研究分析；最后，对Y银行金融扶贫贷款 模式总结分析的基础上得出研究的主要结论及相关问题，并对Y商业银行金融精 准扶贫可持续化发展提出相关对策建议，并展望未来。 按上述思路，论文共分为5个章节。第一章为绪论，主要介绍本文研究背景 与意义、研究思路与内容，并指明创新点；第二章为文献综述研究与案例分析框 架构建，主要对国内外贫困概念、金融扶贫现状进行了梳理，并根据梳理情况， 构建了案例分析框架；第三章为G市Y商业银行金融扶贫背景与扶贫贷款模式简 介，主要分析介绍Y商业银行外部背景，即G市的基本情况，对Y商业基本情况 以及金融扶贫贷款模式进行了简要介绍；第四章为Y商业银行金融扶贫贷款模式 案例分析，分别对三种扶贫贷款模式推出背景、扶贫成效、贷款风险与银行效益 进行了分析，对三种金融扶贫贷款模式价值取向、扶贫成效、贷款风险以及社会 效应面进行了对比分析，总结分析得出研究的主要结论及相关问题，并对Y商业 银行金融精准扶贫工作提出相关对策建议：一是要加强内外部沟通协作，提升金 摘要 II 融扶贫的精准性，确保金融扶贫成效，二是要健全风险防控机制，确保金融扶贫 的可持续性，三是要不断优化创新贷款产品，强化扶贫贷款运作与管理，四是要 加强政策宣传与引导，营造良好的金融扶贫信用环境；第五章为结论，对全文进 行总结，指出本文研究的不足之处，并展望未来。 关键词：商业银行，金融精准扶贫，扶贫成效 ABSTRACT III ABSTRACT Since the 18th national congress of the communist party of China, the CPC central committee with comrade Xi Jinping at its core has made poverty alleviation a priority in governance.At the 19th national congress of the communist party of China (CPC), the national financial work conference of the past two years and the central economic work conference of the communist party of China (CPC), we must resolutely fight against poverty as one of the three major battles to win the battle to build a moderately prosperous society in all respects. As an important participant in financial poverty alleviation, commercial Banks play a crucial role in poverty alleviation, however, Commercial Banks have to safety, liquidity and profitability as the operating principles, its essence is the profit as the goal, in the face of such prominent problems as the poor group's lack of awareness of integrity, the high default rate of poverty alleviation loans, and the large risk of loan losses, how should commercial Banks, on the premise of ensuring their own healthy and sustainable development, do a good job in financial targeted poverty alleviation and play a good role in the crucial battle of financial poverty alleviation? It's worth every one of us in finance. This paper, firstly, the literature review method is used to sort out the research status of poverty concept and financial poverty alleviation at home and abroad, and the research status is reviewed and analyzed, which lays a theoretical foundation for this research, and defines the focus and direction of this research. Secondly, Y commercial Banks, for example, using the survey method, the Y innovation of commercial Banks under the condition of different internal and external background introduced three different financial poverty alleviation loans make in-depth investigation and study, using statistical analysis method, different modes of financial poverty alleviation loans to launch research background, poverty alleviation, the loan risk and bank profits, and the most representative in three different poverty alleviation mode of loans to households, for example, each kind of model of poverty alleviation of the specific study ways and poverty alleviation. Then, the comparative analysis method is adopted to combine the investigation situation with the existing data of bank Y, and conduct in-depth research and analysis on the three financial poverty alleviation loan models of commercial bank Y from the perspectives of value orientation, poverty alleviation effect, ABSTRACT IV loan risk and social effect. Finally, based on the summary and analysis of the financial poverty alleviation loan model of Y bank, the main conclusions and related problems are drawn, and the relevant countermeasures and Suggestions are put forward for the sustainable development of targeted poverty alleviation in Y commercial bank, and looks into the future. According to the above ideas, the paper is divided into 5 chapters. The first chapter is the introduction, mainly introduces the research background and significance, research ideas and contents, and points out the innovation points. The second chapter is literature review research and case analysis framework construction, mainly on the domestic and foreign poverty concepts, the status quo of financial poverty alleviation, and according to the combing situation, the construction of a case analysis framework. The third chapter is a brief introduction of the financial poverty alleviation background and poverty alleviation loan mode of Y commercial bank in G city. It mainly analyzes and introduces the external background of Y commercial bank, that is, the basic situation of G city. The fourth chapter to Y commercial bank financial loans for poverty alleviation mode case analysis, respectively for Y introduced three kinds of loans for poverty alleviation mode of commercial bank, poverty alleviation, bank of loan risk and benefit are analyzed, the three kinds of financial loans for poverty alleviation mode value orientation, poverty alleviation, loan risk, and compares the social effect of surface analysis, summary analysis to research the main conclusion and related problems, and the commercial bank financial Y precision poverty alleviation work puts forward relevant countermeasures and Suggestions: the first is to strengthen internal and external communication and coordination, improve the precision of financial poverty alleviation, ensure financial poverty alleviation; the second is to improve the risk prevention and control mechanism, to ensure the financial sustainability of poverty alleviation; the third is to continuously optimize innovation loan products, strengthen the operation and management of poverty alleviation loans; the fourth is to strengthen policy propaganda and guidance, and create a good environment for financial credit for poverty alleviation.The fifth chapter is the conclusion, which summarizes the whole paper, points out the shortcomings of this research, and looks forward to the future. Keywords: Commercial Banks, Financial poverty alleviation,Poverty alleviation 目录 V 目 录 第一章 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 ..................................................................