财政金融协同支持村级集体经济发展的理论逻辑与实现机制——基于江苏兴化“兴村易贷”的案例研究

The Theoretical Logic and Implementation Mechanism of Fiscal and Financial Synergy Support for the Development of Village-level Collective Economy:Based on the Case Study of “Xingcun Easy-loan” in Xinghua,Jiangsu Province

财政金融协同支持对于盘活农村集体资产,发展壮大村级集体经济具有重要意义。本文构建财政金融协同支持村级集体经济发展的理论分析框架,基于江苏兴化“兴村易贷”这一案例,探究财政金融协同支持村级集体经济发展的实现机制。研究表明,第一,资源警觉是村级集体经济实现温和改善的前提条件,而资源价值开发离不开大量的资金投入,因此财政金融协同支持成为推动村级集体经济发展的关键。第二,财政资金可以发挥引导作用,通过承担拓荒成本来拓宽金融服务边界、健全风险分担与补偿机制来降低银行信贷投放风险,撬动金融力量助推村级集体经济发展。第三,银行等金融机构能利用分散知识,打破农村地区金融信息的碎片化,在降低信息不对称程度的同时,为金融创新奠定基础。第四,银行等金融机构可以结合本地经济情况,定制村级集体经济专属金融产品,打造差异化、特色化的产品体系,为村集体资源开发注入金融资金,促进其增收。

Fiscal and financial synergy support is of great significance for revitalizing rural collective assets and developing village-level collective economy.This study constructs a theoretical analysis framework of fiscal and financial synergy supporting the development of village-level collective economy,and explores the implementation mechanism of fiscal and financial synergy supporting the development of village-level collective economy based on the case of “Xingcun Easy-loan” in Xinghua,Jiangsu.Research shows that:First,resource vigilance is a prerequisite for achieving moderate improvement for village-level collective economy,so the collaborative support of fiscal and finance has become the key to promote the development of village-level collective economy.Second,fiscal funds can play a guiding role in broadening the boundaries of financial services by bearing “pioneering cost”,improving risk sharing and compensation mechanisms to reduce the risk of bank credit,and leveraging financial forces to boost the development of village-level collective economy.Third,financial institutions such as banks can utilize decentralized knowledge to solve the fragmentation of financial information in rural areas,while reducing the degree of information asymmetry and laying the foundation for financial innovation.Fourth,banks and other financial institutions should innovate financial products and services based on local economic conditions,create a differentiated and distinctive product system,inject financial funds into the development of village collective resources,and increase their income.