引导金融活水继续流进村庄

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2021-03-17 12:59:06

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引导金融活水持续流进村庄

来历：经济日报

2021-03-17 12:58

近来，银保监会、财政部、我国人民银行、国家村庄复兴局联合发布告诉，要求深化厚实做好过渡期脱贫人口小额信贷作业，实在满意脱贫人口信贷需求。

我国脱贫攻坚战已取得全面成功，现行标准下村庄贫穷人口悉数脱贫，贫穷县悉数摘帽，易地扶贫搬家使命全面完成。依据中心一号文件，"十四五"时期，对脱节贫穷的县，从脱贫之日起树立5年过渡期，做到扶上马送一程。笔者以为，脱贫不脱方针，许多方针中最重要的应该是金融方针持续支撑。

金融是经济的血液。关于贫穷人口而言，贷不到款，就很难开展经济和完成脱贫。为了按期痛经怎么办缓解疼痛打赢脱贫攻坚战，中心出台了一系列金融扶贫方针，多部分改善和提高扶贫金融服务，各地政府也积极探究金融扶贫办法，经过"三户联保""五户联保"等方法，树立信誉和典当，为贫穷户争取到小额借款，让金融活水精准入户，为开展扶贫工业供给了刚强保证。

步入稳固拓宽脱贫效果和大力推进村庄复兴的新阶段，跟着工业规划扩大和转型晋级，以及创业潮的鼓起，村庄需求更多的金融支撑。关于脱贫区域而言，由于此前有相关金融方针，借款难问题在必定程度上有所缓解。不过，为稳固拓宽脱贫攻坚效果，应深化厚实做好过渡期脱贫人口小额信贷作业，更好满意脱贫人口信贷需求。

一起，有关方面对非贫穷区域村庄获取金融支撑的等待，也应该给予相应重视。曾有一段时间，西部非贫穷区域青年农人对贫穷区域青年农人非常"仰慕"。在同等条件下，由于有金融扶贫方针的歪斜性支撑，贫穷区域青年农人创业更简单得到金融支撑。这阐明金融对脱贫攻坚的支撑力度的确很大，也阐明非贫穷区域对青年农人创业金融支撑还存在有待提高之处。在打赢脱贫攻坚战之后，西部从前的贫穷村和非贫穷村根本站在同一条起跑线上，部分脱贫村的根底设施和经济状况乃至比非贫穷村还要好。在这种情况下，可探究将金融脱贫方针做一些扩展，让更多有志于创业的村庄青年更简单取得金融支撑，更沉着地开展致富工业。

村庄复兴，大有可为。往后会有更多的村庄青年农人创业，还会有更多的乡镇青年加入到村庄复兴部队中来。相关部分需仔细研讨和出台针对性办法，让更多的金融活水流进村庄郊野，培养更多的新式农业主体，构建集约化、专业化、组织化、社会化相结合的新式农业运营系统，加速推进农业完成现代化。（本文来历：经济日报作者：拓兆兵）

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