政策性金融支持林业生态建设融资模式分析——以东营市林业生态建设项目为例

Research on Policy Finance Supporting Forestry Ecological Construction Financing Model--Taking Dongying City Forestry Ecological Construction Loan Project as an Example

东营市地处黄河入海口,土壤盐碱程度重,开展林业生态建设以生态效益为主,经济效益为辅,且造林难度大、成本高、回报周期长,商业银行和一般的金融机构都对其缺乏投资兴趣,导致林业生态建设项目信用结构难以搭建、缺乏充足的还款来源、无法达到贷款要求和条件、难以直接承接贷款,限制了社会资本和商业性金融的进入,林业生态建设面临严重的融资困境。中国农业发展银行与东营市政府对林业生态建设项目融资模式进行了创新,如搭建承贷平台,实行资金统贷统还;通过政府财政兜底,保障项目还款来源;健全项目信用结构,确保贷款风险可控;从项目实际资金需求出发,科学设计贷款产品等。系统总结了政策性金融支持东营林业生态建设有关情况,分析了其中存在的问题和不足,提出了提高贷款使用效率的建议。

Dongying is located at the mouth of the Yellow River,the soil salinity is heavy,the ecological construction of forestry is mainly ecological benefits,economic benefits as a supplement,and afforestation is difficult,high cost,long return cycle,the lack of investment interest from commercial banks and general financial institutions has led to the difficulties in establishing the credit structure of forestry ecological construction projects,the lack of adequate sources of repayment,the inability to meet the loan requirements and conditions,and the difficulty in taking on loans directly,the entry of social capital and commercial finance is limited,and the forestry ecological construction is faced with serious financing difficulties.The Agricultural Development Bank of China and the Dongying government have carried on the innovation to the forestry ecological construction project financing pattern,for example:set up the undertaking loan platform,implements the fund unified loan to repay,guarantees the project repayment source through the government finance;sound project credit structure,to ensure that the loan risk can be controlled;from the actual capital requirements of the project,scientific design loan products.We summarized the situation of policy finance supporting the forestry ecological construction in Dongying,analyzed the problems and deficiencies,and put forward some suggestions to improve the efficiency of loan.