摘要
绿色发展是乡村产业的必由之路,而乡村产业振兴依托于新型农业经营主体,亟需绿色金融支持新型农业经营主体振兴乡村产业。绿色信贷作为绿色金融的“主力军”,已延伸至“三农”领域的产业升级、转型与拓展。根据“金融创新→行为引导→产业绿色发展”的逻辑思路,绿色信贷能够发挥资源配置功能,引导新型农业经营主体发展绿色农业、休闲农业和循环农业,继而助推乡村产业“绿色”振兴。其中,绿色信贷通过以下作用机制促进新型农业经营主体向“绿”发展:延伸升级农业产业链,提高农产品附加值;拓展农业产业功能,拓宽收入渠道;创新发展农业绿色技术,提升生产、交易效率。然而,在信贷业务经营的合规性、安全性、盈利性原则下,绿色信贷业务存在“门槛准入”“服务韧性”“产品增量”困境,需要政府部门建立健全绿色信贷政策体系,银行机构提升绿色信贷服务水平,新型农业经营主体带动发展乡村绿色产业,形成兼顾经济效益和生态效益的绿色信贷助推乡村产业振兴的发展格局。
Green development is the road to rural industry,and the revitalization of rural industry depends on new types of agricultural business entities,and there is an urgent need for green finance to support new types of agricultural business entities to revitalize rural industry.Green credit,as the“main force”of green finance,has been extended to industrial upgrading,transformation and expansion in the field of“agriculture,farmer and rural area”.According to the logic of“financial innovation→behavioral guidance→industrial green development”,green credit can play the function of resource allocation,guide new types of agricultural business entities to develop green agriculture,leisure agriculture and recycled agriculture,and then boost the“green”revitalization of rural industries.Among them,green credit promotes new types of agricultural business entities to the“green”development through the following mechanisms,including:extending and upgrading the agricultural industry chain to increase the added value of agricultural products;expanding the functions of the agricultural industry to broaden income channels;innovating the development of agricultural green technology to improve the efficiency of production and transaction.However,under the principles of compliance,safety and profitability of credit business operation,green credit business is plagued by“threshold access”,“service resilience”and“product increment”.It is necessary for government departments to establish and improve the green credit policy system,banking institutions to improve the level of credit services,new types of agricultural business entities to drive the development of rural green industry,so as to form a development pattern of green credit to promote the revitalization of rural industries,taking into account the economic and ecological benefits.
作者
周孟亮
王立聪
ZHOU Meng-liang;WANG Li-cong
出处
《农村金融研究》
北大核心
2024年第6期17-29,共13页
Rural Finance Research
基金
国家社会科学基金项目“家庭农场融资约束纾解的‘双保险’增信模式研究”(编号:23BJY167)的研究成果。
关键词
绿色信贷
乡村产业振兴
新型农业经营主体
Green Credit
Rural Industrial Revitalization
New Types of Agricultural Business Entities
