大型商业银行农业全产业链金融服务乡村振兴模式研究

Study on Agricultural Industry Chain Finance of Large Commercial Banks to Serve Rural Revitalization

发展和培育农业全产业链是实现乡村产业振兴的重要途径,大型商业银行创新金融服务是赋能乡村振兴的主要手段,探索农业全产业链金融服务模式是商业银行开展相关工作的有力切入点。大型商业银行提供农业全产业链金融服务既可以从开展农业全产业链经营的企业着手,也可以从农业全产业链上的某一类主体或环节切入,二者的金融服务模式不尽相同。本文总结了大型商业银行农业全产业链金融服务实践的两种模式——农业全产业链经营金融服务模式和农业全产业链主体金融服务模式,并在分析两类模式各自存在问题的基础上,为大型商业银行开展农业全产业链金融服务助力乡村振兴提出了相关对策。

Developing and cultivating the agricultural industry chains is an important way to realize the revital⁃ization of rural industries,and innovative financial services of large commercial banks are the main means to em⁃power rural revitalization,and exploring the financial service model of the agricultural industry chains is a power⁃ful entry point for commercial banks to carry out related work.Large commercial banks to provide financial servic⁃es for the agricultural industry chains can either start from the enterprises that carry out the operation of the agri⁃cultural industry chains,or from a certain type of subject or link in the agricultural industry chains,and the finan⁃cial service models of the two are not the same.This paper summarizes the two models of agricultural industry chain financial service practice of large commercial banks--agricultural industry chain operation financial service model and agricultural industry chain subject financial service model.On the basis of analyzing the respective problems of the two types of models,this paper puts forward relevant countermeasures for large commercial banks to carry out agricultural industry chain finance to serve rural revitalization.