农村金融扶贫突破了传统的经济扶贫模式,在农村扶贫工作中作用显著,并且政府扶贫资金可以通过金融扶贫方式实现效用最大化.基于2016年黑龙江省28个贫困县的农村金融扶贫相关数据,通过因子分析法,研究现阶段黑龙江省贫困地区农村金融扶贫水平.结果表明,农村金融扶贫效率、农村内生性金融资源、农村金融扶贫规模对全部影响因素的累计解释程度为94.50％,是影响黑龙江省农村金融扶贫水平的主要因素.而黑龙江省农村金融扶贫水平相对较高的贫困县占比为10.71％,相对较低的贫困县占比为67.86％,各个贫困县之间的农村金融扶贫水平存在明显差距,并且多数贫困县的农村金融扶贫水平相对较低.为充分发挥黑龙江省农村金融在扶贫工作中的作用,提高农村金融扶贫水平,本文结合相关理论及研究结果,从农村金融扶贫对象、贫困人口的还款能力、农村金融扶贫的覆盖面、农村信贷风险管理、农村金融扶贫监管5个方面进行完善,以期提高黑龙江省农村金融扶贫水平.%Poverty alleviation through rural finance breaks the traditional economic model and becomes an innovative and effective way to alleviate poverty in China's rural areas. In addition, rural finance also maximizes the poverty alleviation effects of the Government supporting fund. Based on the 2016 rural financial poverty related data of 28 counties in Heilongjiang Province and applying the factor analysis method, this paper empirically analyzed the poverty alleviation effects through rural finance. Results show that the rural financial poverty alleviation efficiency, the endogenous financial resources of rural areas, and the magnitude of the rural financial poverty alleviation scale account for 94.50％ of the total influencing factors, which are the main factors that affect the levels of rural financial poverty alleviation in Heilongjiang Province. This research also finds that the ratio of poor counties with high level of financial poverty alleviation is 10.71％, and the ratio of poor counties with low level of financial poverty alleviation is 67.86％, showing a significant difference among different counties in Heilongjiang Province. To fully achieve the effects of rural financial poverty alleviation in Heilongjiang Province, this paper suggests to integrate the following five aspects together: the object of rural financial poverty alleviation, repayment ability, the coverage of financial poverty in rural areas, rural credit risk management, and the supervision of rural financial poverty alleviation.
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