金融扶貧

金融扶貧是脫貧攻堅(jiān)適應(yīng)市場經(jīng)濟(jì)要求、拓展資金渠道的新舉措，是扶貧投入的重大創(chuàng)新，是脫貧攻堅(jiān)最強(qiáng)有力的支撐。具體來說，金融扶貧是指在中央政府主導(dǎo)下，各級政府、金融機(jī)構(gòu)、各類企業(yè)或非企業(yè)社會組織參與扶貧開發(fā)，主要面向貧困地區(qū)和貧困人群提供綜合金融服務(wù)，扶持低收入和貧困農(nóng)戶生產(chǎn)和經(jīng)營，幫助其擺脫貧困、增加收入，實(shí)現(xiàn)自力更生，提高經(jīng)濟(jì)社會地位。

在長期扶貧開發(fā)探索和實(shí)踐中，金融扶貧政策和機(jī)制不斷完善和創(chuàng)新，從最開始實(shí)施扶貧貼息貸款到推廣小額信貸（微型金融），從探索金融扶貧模式到初步形成金融扶貧政策體系，再到普惠金融、金融科技的發(fā)展支持下的精準(zhǔn)扶貧戰(zhàn)略，金融扶貧被越來越廣泛地應(yīng)用于中國扶貧開發(fā)的各個領(lǐng)域，在中國扶貧開發(fā)過程中發(fā)揮著越來越重要的作用。金融扶貧已成為推進(jìn)中國扶貧開發(fā)的一項(xiàng)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.