II 论文题目：DE农行金融扶贫问题与对策研究 专 业：工商管理 学员姓名：张延雷 学员签名： 导师姓名：康 华 教授 导师签名： 摘要 金融扶贫作为一种政府脱贫减贫的手段，在脱贫攻坚阶段发挥着越来越重要的作用， 商业银行作为国家金融体系的重要组成部分，在金融扶贫中发挥着主力军的作用。现阶段 各商业银行都充分发挥自身各项优势，积极参与到金融扶贫的实践工作中去，不仅取得了 良好的扶贫效果，而且形成了多样化的扶贫模式，积累了丰富的实践经验，同时政府及商 业银行监管部门对促进和鼓励商业银行参与金融扶贫做出了相应的制度安排。对商业银行 金融扶贫的相关问题进行研究，探索商业银行金融扶贫的内在运行规律，对于我国现阶段 金融扶贫工作的持续稳定开展有十分重要的意义。 本文以DE农行作为研究对象，对金融扶贫的相关问题进行分析，从商业银行金融扶 贫作用机制和路径方面入手，梳理了具有代表性的致贫理论、农村金融市场理论、金融排 斥理论和金融深化理论等相关理论基础，为商业银行金融扶贫问整理出理论框架，以此为 基础本文首先对DE农行金融扶贫业务开展的背景、人员及组织框架、产品及业务发展现 状进行分析，指出DE农行金融扶贫业务开展中面临的客户基础薄弱、业务发展方式较为 传统、金融扶贫渠道建设能力较弱等问题。通过SWOT分析，结合DE农行业务经营的实际 情况和DE县产业结构特点，提出金融扶贫业务提升的措施，确立了优化客户结构、风险 缓释物的多元化、业务转型发展、推动金融创新、渠道优化升级等方面的措施提升金融扶 贫水平，并由此提出资源配置、政策制度、专业扶贫方案、专项考评与统计监测、业务流 程优化等保障措施支持金融扶贫业务的提升。 通过本文对DE农行金融扶贫问题研究，有助于农业银行DE县支行能够以更加高效、 低成本的金融服务为DE县贫困人口的脱贫提供支持，推动DE县域内金融扶贫的可持续发 展，也为其他县域地区商业银行金融扶贫业务开展提供有益借鉴。 【关 键 词】：农业银行；金融扶贫；精准扶贫； 【研究类型】：应用研究 Abstract III Subject: Research on the financial poverty alleviation problems and Countermeasures of DE County Branch of Agricultural Bank of China Major: Business Administration Student name: ZhangYanlei Signature： Tutor Name: Prof. KangHua Signature： Abstract As a means of poverty alleviation, financial poverty alleviation plays a more and more important role in poverty alleviation. As an important part of the national financial system, commercial banks play a major role in financial poverty alleviation. At present, all commercial banks give full play to their advantages and actively participate in the practice of financial poverty alleviation, which not only achieves good poverty alleviation effect, but also forms a diversified poverty alleviation model and accumulates rich practical experience. At the same time, the government and the supervision department of commercial banks have made corresponding institutional arrangements to promote and encourage commercial banks to participate in financial poverty alleviation. It is of great significance for the sustainable and stable development of financial poverty alleviation in China to study the relevant issues of financial poverty alleviation of commercial banks and explore the internal operation law of financial poverty alleviation of commercial banks. This paper takes de Agricultural Bank of China as the research object, analyzes the related problems of financial poverty alleviation, starting from the mechanism and path of financial poverty alleviation of commercial banks, combs the representative theory of poverty alleviation, the theory of rural financial market, the theory of Financial Exclusion and the theory of financial deepening and other related theoretical basis, and sorts out the theoretical framework for the financial poverty alleviation of commercial banks, based on which First of all, this paper analyzes the background, personnel and organizational framework, products and business development status of the financial poverty alleviation business of De county branch of Agricultural Bank of China, and points out the problems faced by the financial poverty alleviation business of de Agricultural Bank of China, such as weak customer base, traditional 西安理工大学工商管理硕士专业学位论文 IV business development mode and weak financial poverty alleviation channel construction capacity. Through SWOT analysis, combined with the actual situation of business operation of de Agricultural Bank of China and the characteristics of industrial structure of De county, this paper puts forward measures to improve the financial poverty alleviation business, and establishes five measures to improve the level of financial poverty alleviation, including optimizing customer structure, diversifying risk mitigants, business transformation and development, promoting financial innovation, and optimizing and upgrading channels, and thus puts forward resource tilt, risk management, and specialty Four guarantee measures, namely, poverty alleviation plan, special evaluation and statistical monitoring, were carried out to support the promotion of financial poverty alleviation. Through the research on the financial poverty alleviation of the de County branch of the Agricultural Bank of China, it is helpful for the de County branch of the Agricultural Bank of China to provide more efficient and low-cost financial services to support the poverty alleviation of the poor people in De county, promote the sustainable development of the financial poverty alleviation in De county, and provide useful reference for the financial poverty alleviation business of other County commercial banks. Key Words：The Agricultural Bank of China；Financial poverty alleviation； Precision poverty reduction 目 录 1 目 录 1绪论 ................ 1 1.1选题背景 . 1 1.2研究意义 . 2 1.3 主要研究方法 ....................... 4 1.4 研究内容 4 1.5论文框架 . 5 2相关理论 ........ 7 2.1金融扶贫的内涵和运行机制 7 2.1.1精准扶贫与贫困人口认定 ............................. 7 2.1.2金融扶贫的内涵 .............. 7 2.1.3金融扶贫的运行机制 ...... 8 2.1.4金融扶贫的经济学含义 .. 8 2.2商业银行金融扶贫的理论基础 ........................... 9 2.2.1金融资本相关的致贫理论 ............................. 9 2.2.2农村金融市场相关理论 11 2.2.3金融减贫相关理论 ........ 12 2.3 国内外研究综述 ................. 15 2.3.1国外研究综述 ................ 15 2.3.2国内文献综述 ................ 18 2.3.3国内外研究评述 ............ 20 3 DE农行金融扶贫状况分析 ...... 22 3.1 DE县及地方扶贫工作概况 22 3.1.1 DE县概况 ...................... 22 3.1.2 DE县扶贫工作概况 ...... 23 3.2 DE农行的金融扶贫现状 .... 26 3.2.1 DE农行概况 .................. 26 3.2.2 金融扶贫组织架构及扶贫方式 .................. 30 3.2.3主要金融扶贫产品介绍 33 3.2.4 DE农行金融扶贫实效 .. 36 3.3 DE农行金融扶贫中存在的问题 ....................... 42 3.3.1金融扶贫客户结构失衡 42 3.3.2传统业务模式影响金融扶贫业务效率 ....... 44 3.3.3金融扶贫的渠道建设有待加强 ................... 47 4 DE农行SWOT分析及金融扶贫提升目标和思路 .............................. 49 西安理工大学工商管理硕士专业学位论文 2 4.1 DE农行 SWOT分析 ......... 49 4.1.1优势分析 ........................ 49 4.1.2 劣势分析 ....................... 50 4.1.3 机遇分析 ....................... 50 4.1.4 威胁分析 ....................... 51 4.2 金融扶贫工作提升目标和总体思路 ................ 54 4.2.1总体目标 ........................ 54 4.2.2总体思路 ........................ 54 4.2.3支持重点 ........................ 55 4.3 DE农行金融扶贫业务提升路径 ....................... 56 4.3.1优化金融扶贫客户结构 56 4.3.2转型发展提高金融扶贫业务效率 ............... 58 4.3.3渠道优化升级 ................ 65 5 DE农行金融扶贫业务提升保障措施 ..................... 70 5.1 资源配置保障 ..................... 70 5.1.1加强信贷规模和费用资源保障 ................... 70 5.1.2强化人力资源保障 ........ 70 5.2政策制度保障 ...................... 70 5.2.1强化金融扶贫优惠政策落实 ....................... 70 5.2.2强化专项金融服务方案设计 ....................... 71 5.3风险控制保障 ...................... 72 5.3.1坚持商业可持续原则 .... 72 5.3.2坚持依法合规 ................ 72 5.4专项考评与统计监测保障 .. 73 5.4.1设立金融扶贫专项业务指标 ....................... 73 5.4.2设立专职统计监测岗位 73 5.5业务流程优化保障 .............. 73 6结论 .............. 75 6.1本文的主要工作 ...............