基于金融帮扶视角的因病致贫农户脱贫路径研究

当前,“因病致贫”仍是造成农村地区产生贫困的主因。综合运用金融工具为“因病致贫”农户搭建帮扶平台,是提升整体性贫困治疗效果的重要途径。文章认为金融帮扶平台的构建,应着重做好以下几个方面：即优化普惠金融因病扶贫生态环境,针对因病致贫打造特色化的金融扶贫产品,为因病致贫农户提供助农贷款、助学贷款,同时保险机构要完善贫困群众大病商业补充保险机制,加强政银合作的扶贫贴息帮扶体制,从而推动因病致贫农户脱贫致富。

A study on the path of poverty alleviation for poor farmers due to illness from perspective of financial aid

At present, illness is still the main cause of the rural poverty. Establishing a support platform for the "poor and sick" farmers by integrated financial means could be a good way to improve the overall effect of poverty alleviation. This paper believes that the construction of financial support platform should focus on the following aspects:optimize the financial situation and the ecological environment, creating unique poverty alleviation financial products, providing Agricultural loans and student loans. Meanwhile, the commercial supplementary insurance mechanisms should be improved and the poverty alleviation and subsidy assistance system promoted by the government and banks should be strengthened.