水库移民因搬迁安置中的物质损耗,在安置地的发展存在一定障碍,而通过获取金融信贷支持,可以快速地改善经济状况。本文以浙江省温州市水库移民创业贷款项目为例,探讨了水库移民群体金融支持的制度安排和对移民群体产生的影响,并提出在政府主导的适当制度安排下,金融机构可按照市场化和商业化的原则提供符合水库移民金融需求的金融服务,从而使水库移民享受到信贷服务机会,进而促使其产生“造血”功能,增加移民收入。 Due to the material loss caused by relocation and resettlement, reservoir resettlers have some obstacles in the development of settlements. By obtaining financial credit support, the economic conditions of reservoirs can be rapidly improved. This paper takes Wenzhou Reservoir Resettlement Loan Project as an example to discuss the institutional arrangements of financial support for the resettlers and the impact on the immigrant groups. It also proposes that under appropriate government-led institutional arrangements, The principle of commercialization provides financial services that meet the financial needs of reservoir resettlers so as to enable reservoir migrants to enjoy the credit service opportunities and thereby promote their “hematopoietic function” and increase their incomes.