农村中小银行应主动作为 让“绿色红利”惠及更多经营主体

Core Viewpoint - The development of green finance in rural small and medium-sized banks is crucial for transforming ecological advantages into economic benefits, aligning with the "Two Mountains" theory [1][2]. Group 1: Advantages of Rural Small and Medium-sized Banks - Rural small and medium-sized banks are well-positioned to connect ecological resources with economic value due to their local presence and understanding of regional ecological resources [1]. - These banks can quickly design personalized financial products and services, facilitating a positive cycle of "ecological protection - industrial development - financial profitability" [1][2]. - The proximity to local governments enhances the efficiency of financial resources and policy resource integration [1]. Group 2: Challenges in Green Finance Development - Current challenges include difficulties in identifying green projects, inadequate risk-sharing mechanisms, and a lack of specialized green finance talent [2]. - There is a need for collaboration with local government and third-party institutions to improve risk-sharing mechanisms and enhance employee training [2]. Group 3: Opportunities for Rural Small and Medium-sized Banks - The national "dual carbon" goals and rural revitalization strategy present significant opportunities for these banks [2]. - Policy incentives, such as the central bank's carbon reduction support tools and local government risk compensation, lower the operational costs of green finance [2]. - The growing market demand for green financing, driven by the "dual carbon" goals and new business models in ecological agriculture and rural tourism, opens up new avenues for green loans and bonds [2]. Group 4: Strategic Recommendations - Rural small and medium-sized banks should accelerate product innovation to create flexible green credit products tailored to local economic characteristics [3]. - Exploring a combination of "green credit + green insurance" can provide additional security for green projects and enhance collaboration with policy banks to improve loan accessibility [3].