本文以武陵山片区邵阳市特困区为例，概述了当前扶贫开发金融服务中的信贷弱化现象，并运用典型调查验证不同信贷需求群体面临不同程度的信贷服务缺失问题。在此基础上分析了导致当前扶贫开发信贷服务存在问题的深层次原因。文章认为，银行业在当前和今后一段时间要提高扶贫开发信贷服务水平，需从信贷经济支撑、金融管理行为、信贷风险控制、信贷服务机制和信用体系等方面对信贷融资保障进行创新和完善。%Based on the example of leagues of extremely poor areas in Shaoyang Wuling mountain, the paper summarizes the cur-rent phenomenon that the financial services for rural poverty alleviation and development are being weakened from the angle of credit. By using typical investigations and evidence, it proved that groups of different demands for credit are faced with different levels of lack of credit services, so the financial industry will have a long way that implement the policies of strengthening financial services for poverty alleviation and development. On the basis of it , the paper analyses the deep reasons that causes the current problems of credit services for poverty alleviation and development. According to the article, how to improve the level of credit services for poverty alle-viation and development at present as well as in the future, and to ensure the policies for poverty alleviation and development, is that it needs some financial supports from credit behavior、 financial management、credit risk control、credit service mechanism and credit system to innovate and improve the financing guarantee regime.
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