摘要
在乡村振兴与金融支持实体经济的政策背景下,地方金融机构如何借助专项债券服务“三农”至关重要。文章以新疆XX银行为例,运用案例分析、实地调研与访谈数据,探究专项债券在“三农”领域的资金运用、服务成效与问题。研究表明,专项债券优化了新疆XX银行资金配置,创新金融产品,提升服务“三农”质效,带动农业产值增长、涉农贷款增加,但资金配套、项目进度与风险管理问题尚存。文章提出完善资金管理、创新产品、构建协作机制等策略,为地方金融机构服务“三农”提供理论与实践参考。
Against the backdrop of the policies on rural revitalization and financial support for the real economy,it is crucial for local financial institutions to rely on special bonds to serve"three rural issues".This paper takes Xinjiang XX Bank as a case study,and through case analysis,field research and interview data,it explores the capital use,service effectiveness and pr oblems of special bonds in the field of"three rural issues".The research shows that special bonds have optimized the capital allocation of Xinjiang XX Bank,innovated financial products,improved the quality and efficiency of serving the"three rural issues",and led to the growth of agricultural output value and the increase of agricultural loans.However,there are still problems in capital matching,project progress and risk management.This paper proposes strategies such as perfecting capital management,innovating products and building collaborative mechanisms,which provide theoretical and practical references for local financial institutions serving the"three rural issues".
作者
夏菲
XIA Fei(Xinjiang Rural Credit Union,Urumqi 830002,China)
出处
《商业观察》
2025年第21期36-39,共4页
BUSINESS OBSERVATION
关键词
专项债券
地方金融机构
“三农”发展
服务策略
special bonds
local financial institutions
"three rural issues"development
service strategy
