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建立健全金融扶贫机制是当前我国经济金融领域关注的热点问题。小额信贷是面向贫困低收入群体和微型企业提供的额度较小的持续性信贷服务,是一种有效的金融扶贫方式。我国扶贫小额信贷存在扶贫针对性不强、资金外流、机构设置成本高等问题,建议借鉴国际扶贫小额信贷的经验做法,完善我国扶贫小额信贷相关工作机制。
Establishing and improving a financial poverty alleviation mechanism is a hot issue that China is concerned about in its economic and financial fields. Microfinance is an ongoing credit service for the poor and low-income groups and micro-enterprises with a relatively small amount. It is an effective financial poverty alleviation method. In our country, poverty alleviation and micro-credit have the problems of poor targeting, outflow of funds and high cost of setting up institutions. It is suggested that we should draw lessons from the experience of international poverty alleviation and improve the relevant working mechanism of micro-credit for poverty alleviation in our country.