摘要：金融扶贫区别于政府的财政扶贫，而且金融机构的努力可能被误解为仅提供简单的债务工具。本文的目的是考察和评价中国农业银行广东分行在精准扶贫方面的努力。在实践中，精准扶贫是通过精准识别等程序来界定的。所采用的方法包括但不限于文献分析、概念分类、定性分析、线性回归等。主要研究结果包括：（1）六因素模型能够较好地解释作为因变量的贫困率。（2）存在一系列的金融机构的模式和实现机制，本文案例利用了政府主导、金融机构主导、产业扶贫等全频谱的模式，但在实现机制方面存在改进的潜力。（3）金融机构和政府的特征决定他们在精准扶贫中是互补的，它们的合作提高了本文案例中扶贫的有效性。

 

关键词： 金融机构 精准扶贫 模式选择 实现机制 政府

 

目 录

摘 要

Abstract

Contents

Chapter One Introduction.1

1.1Research Background1

1.2Research Significance1

1.3Innovations....2

Chapter Two Literature Review3

2.1Research on Targeted Poverty Alleviation......3

2.2Research on Effects Played by Financial Institutions on Targeted Poverty Alleviation3

2.3Comments on Literatures.......4

Chapter Three Theoretical Analysis on Financial Institutions’ Effects on Targeted Poverty Alleviation...5

3.1Definitions of Targeted Poverty Alleviation and the Participation of Financial Institutions.5

3.1.1Targeted Poverty Alleviation.5

3.1.2Financial Institutions.5

3.2Theories of Financial Poverty Alleviation.6

3.2.1Inclusive Finance Theory.7

3.2.1.1Definition of Inclusive Finance7

3.2.1.2Measurements of Inclusive Finance.7

3.2.1.3Development Paths of Inclusive Finance.8

3.2.1.4Main Influencing Factors of Inclusive Finance.8

3.2.2Policy Finance Theory...9

3.2.2.1Financial Resource Allocation Theory..9

3.2.2.2(Quasi-) Public Goods Theory10

3.3Mechanisms of Effects Played by Financial Institutions on Targeted Poverty Alleviation10

3.3.1Background Analysis of the Implementation Mechanism...10

3.3.2Implementation Mechanism Analysis.11

3.4Different Modes of Poverty Alleviation Adopted by Financial Institutions...12

3.4.1Summary of Targeted Poverty Alleviation Models...12

3.4.2Detailed Industrial Poverty Alleviation Model13

Chapter Four-Characteristics of Poverty Alleviation Objects in Guangdong Province15

4.1Regional Analysis15

4.1.1Summary of Provincial Trend......15

4.1.2Models for Poverty Rates and Statistical Analysis...16

4.2Demographic and Demand Analysis19

4.2.1Demographic Analysis.19

4.2.2Demand Analysis.20

Chapter Five The Mode Selection of Guangdong Branch, Agricultural Bank of China (ABC).....22

5.1Government-dominated Mode.22

5.2Financial Institution-dominated Mode.22

5.3Industry Poverty Alleviation Mode..23

5.4Other Modes: E-commerce platform + finance24

Chapter Six-Realization Mechanism of ABC: Advantage and Risk Analysis.25

6.1Internal Management Mechanism....25

6.2Pro-Social Trend/Government Mechanism..25

6.3Paradigm-Based Supply Mechanism.......................26

6.4Deficiencies in ABC’s Existing Mechanism.....27

Chapter Seven Policy Recommendations and Conclusion28

7.1Policy Recommendations28

7.2Conclusions...28

References.30

Acknowledgements