金融支持“三区三州”乡村产业振兴逻辑机理与实践路径

Logical System and Practical Path of Financial Aid to Rural Industry Revitalization in Three Areas and Three States

实现乡村产业振兴是“三区三州”打赢脱贫攻坚战、全面建成小康社会的必然要求。本文基于金融市场理论,从机构分业视角分析金融支持“三区三州”乡村产业振兴问题,认为:从理论层面看,银行、证券、保险等金融主体在“三区三州”乡村产业发展中发挥了资金融通、资源集聚整合、服务转型升级、信息枢纽、风险管理等功能;从实践路径看,金融业通过加大信贷投放、拓宽直接融资渠道、创新发展农业保险、深化农业期货和保险联动等措施,较好地支持了“三区三州”乡村产业发展;从长远发展看,金融支持还面临着政策合力不足、产业体制不健全等制约因素,需要进一步加强部门间沟通协作、优化外部配套措施、创新金融服务产品模式。

To realize the prosperity of rural industry is the key condition for winning the war of anti-poverty and building the overall well-off society.The paper,based on theory of financial market,analyzed the problem of financial aid to rural industry in three areas and three states from the view of institutional division,and found that the three main bodies of bank,stock and insurance company played the role of financial integrating,resources aggregation,service transformation and upgrading,information hinge,risk management and so on.Banking business greatly supported the rural industry through the way of increasing credit supply,expanding direct financing channels,innovating and developing agriculture insurance,deepening agriculture futures and insurance linkage.Financial aid will face some constraints of insufficient policy synergy and undeveloped industrial system that need further cooperation and communication among departments,optimized external supporting measures and to innovate models of the financial service product.