摘 要：
以江西省赣州市油茶贷款项目为例,国家开发银行针对由于经营主体比较分散、 规模较小实力较弱、 项目自身盈利能力不足、 抵押担保资源有限等问题,导致精准扶贫产业在对接国家开发银行贷款时面临难以直接承接贷款、 缺乏充足的还款来源、 信用结构难以搭建、 无法达到贷款要求和条件,限制了社会资本和商业性金融的进入,使精准扶贫产业面临严重的融资困境,对支持精准扶贫产业的融资模式进行了创新:构建统贷和承贷平台,实行资金统贷统还;通过政府购买服务,补充项目还款来源;搭建项目信用结构,完善风险保障机制;根据项目资金需求,优化贷款产品结构,并针对项目推进过程中存在的问题,提出了推进贷款项目实施的策略.
译 名：
Financing Model on Development Financial Support to Taking Targeted Measures in Industrial Poverty Alleviation: A Case Study of Camellia oleifera Loan Project in Ganzhou
作 者：
CHENG Junguo;QIN Tao;SUN Xiaomin;QI Zhengxun;School of Economics and Management,Beijing Forestry University;
关键词：
development finance;;financing mode;;taking targeted measures in poverty alleviation
摘 要：
⑴ Background——China Development Bank(CDB) is actively committed to industrial poverty alleviation and has formed some typical models.However,the academic research on the poverty alleviation financing model of developmental financial support industry is insufficient,which limits the promotion of the typical model of poverty alleviation in developmental financial support industry.⑵ Methods——The research data are from public data such as the official website of CDB,the government documents of Ganzhou and so on.This paper mainly focuses on qualitative research.Based on the current situation of Camellia oleifera industry in Ganzhou,and analyzes the difficulties faced by Camellia oleifera industry in docking with the CDB loan,then clarifies the innovative financing mode supported by CDB for Camellia oleifera industry in Ganzhou.⑶ Results——The innovation of the financing mode supported by CDB for Camellia oleifera industry in Ganzhou lies in the following four aspects:The first is to build a unified loan and loan platform,and implement the unified loan and repayment of funds.Ganzhou integrated a total of 1.546 billion yuan of agricultural and forestry state-owned assets into the capital reserve of Ganzhou Forestry Group to use it as a unified loan platform for CDB to carry out unified loan and repayment.The second is to purchase services and supplement the sources of project repayment through the government.The accounts receivable under the government purchase agreement were used as the first source of repayment.The third is to build a project credit structure and improve the risk protection mechanism.The municipal-level unified loan platform(Ganzhou Forestry Group) will pledge to CDB with all the rights and benefits enjoyed under the "Government Purchase Service Contract",and open a special risk reserve account at CDB to ensure that the balance of the account is not lower than the amount of principal and interest payable by the borrower of the next period.The fourth is to optimize the loan product structure according to the project funding needs.According to the actual capital demand of the project,CDB provided medium and long-term loans for the project.⑷ Conclusions and Discussions——Although the Camellia oleifera loan of CDB has passed the head office's appraisal smoothly,there are still some problems:First,some counties(cities and districts) are worried about the risk of loan repayment.Second,the willingness of forest farmers to grow Camellia oleifera on loan is not strong.Third,the loan procedure is complicated.Fourth,there are many kinds of Camellia oleifera loans in the market.Fifth,the mechanism of loan declaration and issuance in counties(cities and districts) is not perfect.In order to further improve the precise poverty alleviation effect of CDB loans,effective measures need to be taken to accelerate the loan work.The following suggestions are proposed:first,the government should attach more importance to speeding up the establishment of a loan platform:second,the loan approval procedures should be optimized and the scope of loan application should be expanded;third,the industrial leading enterprises should be introduced to innovate the industrial management mode;fourth,the industrial support should be increased and the related supporting measures should be improved.
