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水库移民社区发展既需要国家财政资金的长期扶持,又需要金融机构的信贷支持。当前,金融支持水库移民生产发展存在农村金融服务体系不健全、有效金融供给严重不足,移民社区有效信贷需求不足、金融机构惜贷现象普遍,各类专项贷款规定严格、支持移民遭遇政策限制等一系列难点。需要通过完善县域移民金融服务体系、增加移民社区金融供给总量、建立移民小额贷款担保基金、加大小额贷款财政贴息力度、金融机构创新金融服务模式、政府部门调整移民贷款政策、加大金融知识宣传培训力度、改善移民社区金融生态环境等措施推进金融支持水库移民社区发展。
The development of reservoir immigrant communities not only needs the long-term support of state financial funds but also the credit support of financial institutions. At present, there are some problems in the financial support for the development of reservoir immigrants, such as the unsound financial service system in rural areas, the serious shortage of effective financial services, the insufficient demand for effective credit in immigrant communities, the widespread looting of financial institutions, the strict rules for special loans and the policy restrictions on immigrants Series of difficulties. It is necessary to increase the financial supply for immigrant communities, establish a micro-loan guarantee fund for immigrants, increase the interest subsidy for small loans, innovate the financial service model for financial institutions, and adjust the loan policy for government departments to increase Financial knowledge promotion and training efforts to improve the ecological environment of immigrant communities and other measures to promote financial support for reservoir resettlement community development.