信贷扶贫十多年来,国家对贫困地区投入了相当的资金,扶贫开发取得了一定的成效,但也存在许多问题,如不解决,势必影响扶贫效益,就通江县来看存在如下问题:1、项目选择的盲目性。主要表现有急功近利上项目;个人喜好点项目;为争取资金上项目。这些盲目选择的项目集中反映在一些乡镇企业和富县工业项目上。2、项目实施虎头蛇尾。在争取项目时决心大、计划大、目标大。但资金到位后,在实施中遇到这样或那样的问题就搁挑子下马,继而寻求新的项目,造成极大的浪费。3、资金投向“三多三少”。即平均使用多,相对集中使用少;投入企业多,解决贫困户就业人数少;富县工业项目投入多,富民项目投入少。4、对信贷扶贫认识有误,单纯强调政策性,忽视效益性和偿还性,甚至认为是无偿拨款。贫困地区还普遍存在单纯依靠资金投入扶贫的思想和行为。5、金融部门重放轻管轻收。6、返贫现象严重,稳定脱贫任 Over the past decade, the state has invested a considerable amount of funds in poverty-stricken areas and made some achievements in poverty alleviation and development. However, many problems exist. For example, if poverty is not solved, it will inevitably affect the benefits of poverty alleviation. The following problems exist in Tongjiang County: 1, the blindness of the project selection. The main performance has quick success on the project; individual preferences project; for funding projects. These blindly selected projects are mainly concentrated in some township enterprises and industrial projects in Fu County. 2, the implementation of the project out of nothing. Determined in the fight for the project, the big plan, big goal. However, after the funds are put in place, one or more problems encountered during the implementation process are disrupted, and then new projects are sought, causing great waste. 3, capital investment “three more than three less ”. That is, the average use of more, the relative use of less concentrated; put more enterprises to address the employment of poor households less; rich industrial project investment, rich project investment less. 4, Misunderstanding of credit poverty alleviation, simply emphasizing policy, ignoring the effectiveness and repayment, or even think it is a free grant. In poor areas, there are also widespread thoughts and behaviors that rely solely on capital investment in poverty alleviation. 5, the financial sector light weight light replay. 6, returning to poverty is serious, stable and out of poverty