摘要
2023年10月,中央金融工作会议强调做好绿色金融、普惠金融等“五篇大文章”,国务院提出在普惠金融重点领域融入绿色低碳发展目标。本课题基于全国农合机构和浙江农商银行系统实践,研究绿色金融与普惠金融融合发展路径。研究发现,绿色金融与普惠金融融合是推动高质量发展的必然趋势,但当前仍面临诸多挑战,如“绿色金融不够普惠“”普惠金融不够绿色”,以及信息共享机制不健全、产品服务创新能力不足等问题。为此,本课题提出强化政策支持、制定信贷标准、建立长效机制、实施差异化信贷策略、构建产品服务体系、构筑碳信用价值体系、推进数字化转型赋能以及加强ESG评价与信息披露管理等路径建议,旨在推动绿色金融与普惠金融高质量融合发展,为全省乃至全国提供参考借鉴。
In October 2023,the Central Financial Work Conference emphasized the importance of excelling in the"Five Key Areas of Financial Work,"including green finance and inclusive finance.The State Council proposed integrating green and low-carbon development goals into key areas of inclusive financial services.This research is based on the practices of the National Rural C redit Cooperatives and the Zhejiang Rural Commercial Bank System,aiming to explore the integrated development path of green finance and inclusive finance.The study finds that the integration of green finance and inclusive finance is an inevitable trend to promote high-quality development.However,it still faces numerous challenges,such as green finance lacking inclusivity,inclusive finance lacking green elements,inadequate information-sharing mechanisms,and insufficient innovation in product and service capabilities.To address these issues,the research proposes several recommendations:strengthening policy support,establishing credit standards,building long-term mechanisms,implementing differentiated credit strategies,constructing a product and service system,developing a carbon credit value system,advancing digital transformation for empowerment,and enhancing ESG evaluation and information disclosure management.These suggestions aim to promote the high-quality integrated development of green finance and inclusive finance,providing valuable insights for the province and the nation as a whole.
出处
《浙江金融》
2025年第2期3-15,共13页
Zhejiang Finance
关键词
农商银行
五篇大文章
绿色金融
普惠金融
融合发展
Rural Commercial Banks
Five Key Areas of Financial Work
Green Finance
Inclusive Finance
Integrated Development
