绿色金融视角下农业循环经济发展的政策支持研究——以河北省为例

RESEARCH ON POLICY SUPPORT OF AGRICULTURAL CIRCULAR ECONOMY UNDERGREEN FINANCIAL VISION——A CASE STUDY OF HEBEI PROVINCE

关键词:  农业循环经济 绿色金融支持 农业 循环经济 金融

Key words:  agricultural circular economy  green financial support  agriculture  circular economy  finance

摘要:

［目的］循环经济模式已经成为当今农业经济增长的主要方式，在农业区域循环经济持续发展过程中充分发挥金融支持作用，优化制定农业循环经济协调发展的金融支持战略，有助于实现农业区域循环经济的可持续发展。［方法］采用问卷调查法对河北省农村地区的部分企业、农户和金融机构针对目前主要融资渠道、对绿色金融政策和产品的了解程度及绿色金融支持现状等方面进行分析研究。［结果］调查结果显示，被调查的农户和企业大部分均有融资需求，但目前河北省大部分农户和企业并不了解当地绿色金融相关政策和相关产品，其中37.5%农村企业目前主要的融资方式为银行贷款，而85%农户主要通过民间借贷和亲友间无偿借款的融资方式，农村地区金融机构提供的绿色金融产品以绿色信贷为主，绿色保险、绿色证券涉及较少，导致农村融资渠道受限。［结论］深化企业和农户对绿色金融政策和产品的认识和了解、完善绿色金融政策支持机制和法律法规体系，不断丰富绿色金融产品种类和融资渠道，能够为促进农村经济的可持续发展提供理论基础，对农业循环经济与生态环境的双赢、可持续发展起到重要作用。

Abstract:

The circular economy has become the main mode of agricultural economic growth. Giving full play to the role of financial support in the sustainable development of the agricultural region, and optimizing the financial support strategy for the coordinated development of agricultural circular economy, are helpful to the sustainable development of circular economy in agricultural area. Taking Hebei province as an example, using the method of questionnaire investigation to some enterprises, farmers and financial institutions, this paper analyzed the main financing channels and the understanding to green finance policy and products. The results showed that, although most of the farmers and enterprises had the financing demand, but they didn′t understand the local green financial policies and related products. The main financing mode in 37.5% of rural enterprises was bank loans, while 85% of the farmers mainly used private loans from relatives and friends. The green finance products provided by the financial institutions in rural area were mainly green credit. It suggested that it was important to deepen the understanding of green financial policies and products by enterprises and farmers, improve the mechanism for green financial supporting, and enrich the types of financing channels and green financial products. Optimizing the development strategy of agricultural circular economy and promoting the financial innovation to the development of agricultural circular economy were helpful to realize the agricultural circular economy and green financial innovation.