“黑名单”是指银行自主建立的授信管理系统，对于已进入人民银行征信系统，且有不良信用记录的客户，其不良信息自动进入授信管理系统，不予办理授信业务；即使5年后征信记录已经清零，但银行的“黑名单”依然存在，无法获得贷款，被社会俗称为信用“黑户”。截至2015年底，我国仍有7000多万贫困人口，金融精准扶贫无论是需要投放的贷款，还是面对的贫困人口，都具有一定规模，贫困户的信用“黑户”问题亟需关注。本课题组对贫困建档立卡户核查发现，固原市银行业金融机构信用“黑户”51992人，其中建档立卡贫困户27794人，占比高达53.64%。本课题组对固原市四县一区进行了实地调查，重点分析了属于建档立卡贫困户的信用“黑户”问题。调查显示，信用“黑户”问题将制约金融精准扶贫的成效，尤其是随着金融精准扶贫工程的深入推进，探索建立信用“黑户”释放机制与包容性设计势在必行。“,”“Blacklist”refers to those customers who have bad credit records in PBC’s credit reporting system and are registered in banks’credit management system. Because of the bad credit information, those people can’t get loans from banks. Even after fiveyears when the credit records is deleted in PBC’s credit reporting system, the “Blacklist” has still be registered in banks’ credit management system, so they still can’t get loans. By the end of 2015, there still have been more than 70000 thousand poor people, therefore taking targeted measures in poverty alleviation should reach a certain scale, and more attention should be paid to the issue. When establishing the record for poor households, the research group finds that 51992 people were blacklisted in banking financial in-stitutions of Guyuan city, among them 27794 people are poor, accounting for as high as 53.64%. The research group carried on the on-the-spot investigation in four counties and one district, and focused on those poor people who have been blacklisted in banks’ credit management system. The investigation shows that the credit blacklist will restrict the effect of taking targeted measures in pover-ty alleviation, and especially with the deepening of taking targeted financial measures in poverty alleviation, it is imperative to explore to establish credit“blacklist”releasing mechanism and the design of the inclusive credit.