绿色信贷促进农业农村绿色产业发展路径探析

Green Credit to Promote the Development of Green Industry in Agricultural and Rural Areas

农业农村绿色产业是新时代乡村产业振兴的重要内容,绿色信贷是推动农业农村绿色产业发展的重要金融工具。当前农业农村绿色产业发展面临“经营风险大、投资回报率低、绿色信贷制度不完善、相关配套政策不足、绿色信贷不良率高、信贷周期长”等问题,制约了绿色信贷投放和绿色产业发展。为此,在农业农村绿色产业发展中,应完善绿色信贷政策扶持体系,健全绿色信贷市场机制,发展绿色信贷中介机构,提高金融机构的绿色信贷动力,发挥绿色信贷对农业农村绿色产业的金融服务功能。

Agricultural and rural green industry is an important part of rural economic revitalization in the new era,and green credit is an important financial tool to promote the development of agricultural and rural green industry.At present,the development of green industry in agriculture and rural areas is faced with problems such as“big business risk,low return on investment,imperfect green credit system,insufficient supporting policies,high defective rate of green credit,and strong credit cycle”,which restricts green credit delivery and green industry development.Therefore,in the development of agricultural and rural green industry,it is necessary to improve the green credit policy support system,improve the green credit market mechanism,develop green credit intermediary institutions,improve the green credit motive force of financial institutions,and give play to the financial service function of green credit for agricultural and rural green industry.