供应链金融支持绿色普惠融合发展创新与政策建议研究

Research on Innovation and Policy Recommendations of Supply Chain Finance in Supporting Green and Inclusive Integrated Development

引导小微企业等普惠主体进行低碳发展是实现绿色普惠融合发展的重要途径。通过政府、金融机构、社会组织等多方合作,提供技术、资金、政策等方面的帮助,激发小微企业等普惠主体的环保意识,推动其积极参与低碳发展,有利于实现经济、环境和社会的协调发展。供应链金融基于核心企业真实贸易等背景,可应对中小企业业务稳定性不足和财务信息不规范等问题,是一种适合小微企业等普惠主体的金融产品。本文从供应链金融产品服务视角切入,分析国内外以供应链金融产品服务创新方式支持绿色普惠融合发展相关领域的实践案例,并总结可借鉴经验,以期为我国绿色普惠融合发展提供实践参考。同时,本文就推动我国绿色金融与普惠金融融合发展面临的主要问题进行分析,并提出政策建议。

Guiding small and micro enterprises and other inclusive subjects to low-carbon development is an important way to realize green and inclusive integrated development.Government,financial institutions and social organizations cooperate with each other to provide technical,financial and policy assistance,stimulate the environ⁃mental awareness of small and micro enterprises and other inclusive subjects,and promote their active participa⁃tion in low-carbon development,which is conducive to the realization of the coordinated development of the econo⁃my,the environment and society.Based on the background of real trade of core enterprises,supply chain finance can cope with the problems of insufficient business stability and unstandardized financial information of SMEs,which is a kind of financial product suitable for small and micro enterprises and other inclusive subjects.This pa⁃per starts from the perspective of supply chain financial products and services,analyzes the practice cases of do⁃mestic and international supply chain financial products and services innovation to support the green and inclusive integrated development,and summarizes the experience that can be drawn from,with a view to providing practical reference for the green and inclusive integrated development of China.At the same time,this paper analyzes the main problems faced in promoting the integrated development of green finance and inclusive finance in China,and puts forward policy recommendations.