期刊论文

中文

四川理工学院学报(社会科学版)

1672-8580

2019

34

5

88-100

10.11965/xbew20190506

国家社会科学基金项目(18BJY160).

本校为第一机构

当前在国家政策的号召下,各大金融机构投身于金融扶贫工作中,扶贫小额信贷已经成为金融扶贫的重要内容,为实现2020年脱贫攻坚目标,实现全面小康社会发挥了较大的作用。但随着扶贫小额贷款陆续到期,后阶段形成还款逾期的可能性较为突出,扶贫小额信贷所暴露出的问题若不及时解决,一方面影响2020年脱贫攻坚目标的实现,另一方面其积累的风险可能会延续到下一阶段农村金融工作中,从长远看不利于乡村振兴战略部署。现有的研究集中在以农户角度剖析小额信贷风险的影响因素,或者从金融机构角度研究如何优化内部风险管理体系、提高风险控制能力。但结合扶贫小额信贷的政治任务,对扶贫小额信贷的困境开展研...

At present,under the call of the state policy,all major financial institutions are engaged in the work of financial poverty alleviation,and poverty alleviation microfinance has become an important part of financial poverty alleviation,which has played a great role in achieving the goal of getting rid of poverty by 2020 and achieving a well-off society in an all-round way.With the expiration of poverty alleviation microfinance,the possibility of overdue repayment of loan is more remarkable in the future.If we cannot solve the exposed problems of...