摘要
I
摘要
随着全面建设小康社会进入攻坚阶段，加快贫困地区脱贫，促进贫困县全部
摘帽已经成了当下迫在眉睫的任务。农业是县域经济的主要支柱产业，但是由于
中国的农业生产存在着资金不足、技术缺乏、受市场经济冲击等问题，造成了我
国县域贫困，严重影响了广大农民的生活水平。县域贫困制约着我国经济发展，
制约了建设小康社会的前进步伐，已经成为目前国家建设过程中关注的重点问题，
亟需探索有效的县域脱贫途径。县域经济具有地域性、开放性、综合性、特殊性
等特征，这些特征决定了县域经济的发展需要进行资源交流，但是在市场经济中
不占优势，更需要政府进行政策资源方面的倾斜。政策性金融具有政策导向性、
追求社会合理性、体现发展战略性，这些特征决定了农业政策性金融是政府进行
农业补贴，支持农业发展的重要金融手段，是国家促进资源分配合理化的调节器，
能够依据国家政策方针进行金融资源的引导和倾斜，从而给予贫困县域一定的金
融政策优势，有效的促进农业发展，助推县域脱贫

但是，我国农业政策性金融支持县域脱贫的现状并不容乐观，虽然取得了一
定的成绩，但是总体来看，我国的贫困县域脱贫攻坚任务艰巨，各贫困县域基础
设施不完善，返贫压力大，农民生活困苦，种种现象决定着农业政策性金融在支
持县域脱贫方面进行路径创新具有一定的必要性。农业政策性金融支持县域脱贫
方面的问题主要包括以下三个方面：政策扶贫对象：“不够明确、方向偏离、力
度不足”；创新信贷投放时机不准、进度不快、节奏不稳；金融产品不够丰富，
金融创新能力有待增强。要想对这些问题进行改善，需要进行农业政策性金融支
持县域脱贫路径创新。首先通过对政策性金融在支持县域脱贫过程中发挥作用的
分析，证明了政策性金融在支持县域脱贫的可行性。接着，针对政策性金融在支
持县域脱贫方面的三个问题，本文从整体上有针对性的提出相应的改善政策，分
别为一、精准农业政策性金融扶贫对象，包括建立扶贫对象的信息化管理体制、
实行差别化信贷政策和积极探索脱贫路径。二、完善农发行扶贫信贷投放，包括
农发行扶贫信贷投放需多元化、农发行扶贫信贷投放需制度化和农发行信贷扶贫
投放需深入化。三、加强农发行金融扶贫创新，包括金融产品创新、管理创新和云南财经大学硕士学位论文 摘要
II
金融体制创新。此外，本文以农业发展银行云南分行为例，概括了农业发展银行
云南分行在支持县域脱贫实际过程中可采取的措施，为云南省农业政策性金融支
持县域脱贫提供实际指导，同时为我国其他地区农业政策性金融开展县域脱贫工
作，促进区域平衡发展提供经验方法上的借鉴

关键词：农业政策性金融； 县域； 脱贫云南财经大学硕士学位论文 ABSTRACT
III
Abstract
With the comprehensive construction of a well-off society has entered a crucial
stage, accelerate the promotion of poverty in poor areas, poor counties all have
become the imminent Zhaimao task. Agriculture is the pillar industry of the county
economy, but because of Chinese agricultural production problems of lack of funds,
lack of technology, by the impact of market economy, caused by China&39;s county
poverty, seriously affected the living standards of farmers. County poverty restricts
the economic development of our country, restricts the pace of building a well-off
society, and has become the focus of attention in the process of national construction.
Therefore, it is urgent to explore effective ways to alleviate poverty in the county. The
county economy with regional characteristics, openness, comprehensiveness and
particularity, which determines the characteristics of the development of county
economy of resource exchange, but in the market economy is not dominant, but also
need the government to tilt the policy resources. The financial policy is policy
oriented, the pursuit of social rationality, reflect the development strategy, which
determines the characteristics of the agricultural policy finance is the government
agricultural subsidies, an important financial means to support the development of
agriculture, is to promote the national regulator rational allocation of resources, can
according to the national policy guidance and financial resources to tilt given the poor
county certain financial policy advantages, effectively promote the development of
agriculture, promote the county out of poverty.
However, the current situation of agricultural policy financial support for county
poverty in China is not optimistic, despite some achievements, but overall, China&39;s
poor county poverty alleviation task is arduous, the poor county infrastructure,
poverty pressure, farmers living in hardship, determines the phenomena of
agricultural policy oriented finance the path of innovation in support of the county out
of poverty is necessary. Agricultural policy finance supporting county poverty
problems mainly include the following three aspects: Poverty Alleviation Policy: the云南财经大学硕士学位论文 ABSTRACT
IV
object is not clear enough, the direction of deviation, lack of innovation; credit,
progress is not fast, no time rhythm instability; financial products rich enough,
financial innovation needs to be enhanced. In order to improve these problems, it is
necessary to carry out agricultural policy finance to support county poverty alleviation
path innovation. First of all, through the analysis of the role of policy finance in the
process of supporting county poverty alleviation, the feasibility of policy based
Finance in supporting county poverty alleviation is proved. Then, according to the
financial policy in the three issue of the county out of poverty, this thesis puts forward
the corresponding improvement policy, respectively, a precision agriculture policy
financial poverty alleviation object, including the establishment of poverty alleviation
object information management system and the implementation of differentiated
credit policy, and actively explore the path out of poverty. Two, improve the poverty
alleviation credit for agricultural issues, including the need for diversification of
agricultural credit, the need to institutionalize the needs of poverty alleviation credit
for agricultural publications and the need for deepening the issuance of credit for the
agricultural credit. Three, we should strengthen the innovation of financial aid for
poverty alleviation in agricultural publications, including financial product innovation,
management innovation and financial system innovation. In addition, the Agricultural
Development Bank Yunnan branch as an example, summarizes the Agricultural
Development Bank Yunnan branch can be taken in support of the county out of
poverty in the process of practical measures for the Yunnan Province agricultural
policy finance supporting county poverty provides practical guidance, as well as in
other areas of our country agricultural policy finance to carry out the work of poverty,
the promotion of regional balance the development to provide experience for
reference methods.
Key words: agricultural policy finance; county; poverty alleviation云南财经大学硕士学位论文 目录
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目 录
第一章 绪论 ......1
第一节 研究背景..........1
第二节 研究目的及意义.....2
第三节 相关研究综述......3
一、国外研究综述 ........... 3
二、国内研究综述 ........... 4
第四节 研究的基本思路和主要内容......6
第二章 相关理论综述 ..........8
第一节 县域经济相关理论...8
一、 基本概念 .. 8
二、 县域经济发展的基本理论. 9
三、 县域经济基本竞争力评价指标体系.... 13
第二节 政策性金融的相关理论.........15
一、基本概念 .. 15
二、政策性金融的基本理论... 16
第三章 农业政策性金融支持县域脱贫的现状分析 .........19
第一节 全国农业贫困状况的衡量与测度.19
一、农业贫困线19
二、农业贫困发生率 ........ 20
三、农业贫困规模 .......... 21
四、农业贫困其他相关指标... 22
第二节 政策性金融对我国农业贫困的支持现状.......22
一、政策性金融支持农业脱贫的现状....... 22
二、政策性金融支持农业脱贫的特点....... 23
三、云南省政策性金融支持农业脱贫现状... 25云南财经大学硕士学位论文 目录
VI
第四章 农业政策性金融支持脱贫创新的必要性 ...........29
第一节 政策扶贫对象亟需明确.........29
一、政策扶贫对象不够明确... 29
二、
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