农村信用社扶贫项目实施效果与问题研究——基于安徽省的调查分析
Research on the Implementation Effect and Problems of Poverty Alleviation Project of Rural Credit Cooperatives—Based on the Investigation and Analysis of Anhui Province

2020年是我们迈向历史新纪元、开创美好新章程的起点之年，更是打赢脱贫攻坚战的关键一年。在今年全国两会的《政府工作报告》中，总理指出“脱贫是全面建成小康社会必须完成的硬任务”。精准施策，用心扶贫，以行济困是党中央对全国人民的郑重承诺。农村信用社开展地金融扶贫是精准扶贫、乡村振兴战略的重要举措，论文以扶贫政策为导向对安徽省农村地区信用社扶贫项目实施过程中产生的问题以及项目的实施效果展开调查并进行研究，研究结果表明：尽管安徽省农村信用社在扶贫方面取得了一定成效，但也存在一些问题，主要集中在贷款的申请、资金审核、项目实施周期及扶贫项目的针对性等方面。论文基于此针对农村信用社扶贫项目困境提出了:在实践中完善扶贫政策，因地制宜精准扶贫；扶贫先扶“智”，加强开展农村人员职业培训；探索扶贫项目所需专项资金的整合筹集模式以实现扶贫项目的可持续发展等观点，以期为后续农村信用社扶贫项目的发展提供切实可行的建议。
The year 2020 is the starting point for us to step into a new era of history and create a beautiful new charter, and it is also a crucial year for us to win the fight against poverty. In the “Government Work Report” of the National People’s Congress this year, the Prime Minister pointed out that “getting rid of poverty is a hard task that must be completed to build a well-off society in an all-round way”. It is the solemn commitment of the CPC Central Committee to the people of the whole country to make precise policies, help the poor with heart and help the poor. The financial poverty alleviation car-ried out by rural credit cooperatives is an important measure for accurate poverty alleviation and rural revitalization strategy. Based on poverty alleviation policy, this paper investigates and studies the problems in the implementation of poverty alleviation projects of rural credit cooperatives in Anhui Province and the implementation effect of the projects. The research results show that alt-hough Anhui rural credit cooperatives have made some achievements in poverty alleviation, there are still some problems, mainly focusing on loan application, fund review, project implementation cycle and pertinence of poverty alleviation projects. Based on this, this paper puts forward the fol-lowing problems in poverty alleviation projects of rural credit cooperatives: perfecting poverty al-leviation policies in practice and helping the poor accurately according to local conditions; Help the poor to help the “intelligence” first, and strengthen the vocational training of rural personnel; Ex-plore the integration and raising mode of special funds needed for poverty alleviation projects to realize the sustainable development of poverty alleviation projects, so as to provide practical sug-gestions for the follow-up development of poverty alleviation projects of rural credit cooperatives.