金融扶贫是实现扶贫成效可持续性的重要途径,麻阳县望远村是金融扶贫受益的典型。望远村以产业引导、金融支持、扶贫资金担保和能人带动的扶贫思路,实现了由“输血”扶贫向“造血”扶贫的转变,取得了良好的扶贫效果。基于“人”“业”“地”的减贫成效评价指标,调查发现望远村扶贫政策实施有一定的成效,贫困农户生活水平明显提高,扶贫可持续性得到增强;但居民生计资本改善有限,社会排斥现象依然存在。针对扶贫中存在的问题,提出要科学规划村域产业、增强自我发展能力、壮大村域产业、控制金融扶贫风险等建议。
<<Financial poverty-aid is an important way to achieve sustainability of pro-poor effectiveness,the village named Wangyuan of Mayang County in Hunan is the typical representative gaining benefit from financial poverty-aid. Through the way of industry guidance,financial support,poverty alleviation fund guarantees and master leading,the poverty alleviation method of Wangyuan changed from “blood transfusion” to “blood made”,and the poverty alleviation achieved good performance. Based on the “people-field-industry” evaluation indicators of poverty reduction,the surveys found that the implementation of pro-poor policies had some performance in Wangyuan,and the living standard of the poor significantly improved,and the poverty reduction sustainability was enhanced;but the livelihood capital of the poor improved little,and the social exclusion persisted. To the problem of poverty alleviation,it needs to scientifically plan the village industries,enhance the village’s self-development capacity,vigorously strengthen the village’s industry,control the financial risk and so on.
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