金融扶贫做不到精准的成因扶贫瞄准不能精准识别信贷需求人口。小额信贷扶贫“瞄不准”主要有以下四个因素:一是信贷风险控制挤出。由于小额信贷强调财务可持续性和风险可控性,会更加偏爱信誉好、收入稳定、拥有资产的中高端农户,较贫困客户往往被排斥。二是信贷精英化偏向。当小额信贷投向贫困地区时,由于贫困农户获取资源的渠道和 Financial Poverty Alleviation Can not Achieve Precise Causes Poverty Alleviation Targets Can not Accurately Identify Credit Demand Population. Microfinance poverty alleviation “aiming ” There are four main factors: First, the control of credit risk squeezed out. As microcredit emphasizes financial sustainability and risk controllability, it will be more likely to favor middle-to-high-end farmers with assets that are more reputable, stable in income, and poorer customers are often excluded. Second, the credit elite bias. When microcredit goes to poor areas, access to resources by poor farmers and / or poor households