| The report of the 19 th National Congress of the Communist Party of China made it clear that green development should be promoted.We will accelerate the establishment of a legal system and policy orientation for green production and consumption,and establish a sound economic system for the development of a green low-carbon cycle.We will build a market-oriented green technology innovation system,develop green finance,and expand energy conservation and environmental protection industries,clean production industries and clean energy industries.It can be said that green finance is the field of national key support and the development direction of financial innovation in the future,with broad development potential and development space.Looking at the industrial areas involved in green finance,the industrial cycle is generally longer,the capital is in great demand,the economic benefits are not seen in the short term,and the growth period of the target enterprise is longer.In particular,small and medium sized enterprises with a relatively single financing channel rely mainly on bank credit and private capital support.The capital gap is large and the risk tolerance is weak.In terms of the Banks and guarantee institutions that provide financial services,the threshold of bank credit is higher,which generally needs to be guaranteed to increase the financing costs of small and medium-sized enterprises.The guarantee agency undertakes small and micro financing guarantee business,can only obtain the low interest rate of the premium income,but needs to occupy a large amount of risk reserve for the preparation of compensation,the commercial interests are not guaranteed.This has also seriously hindered the development of guarantee institutions.In order to develop the green finance,make the target enterprise can get low cost financing,Banks can provide credit services while locking risk,guarantee institutions to provide credit,in the after service to diversified business income,Investment loan guaranty linkage mode become the new way of thinking to solve these problems,and help the new direction of the green financial development.On a micro level,for investment loan guaranty linkage mode can realize the business transformation and upgrading of the guarantee agencies,meet their demand for economic benefits,achieve the balanced development of the financial ecology,on the other hand,the micro,small and medium enterprises financing and solution,the problem of financing your,make more small and medium-sized enterprises have the opportunity of development.At the macro level,it is of great practical significance to apply the mode of investment and loan protection to green finance and serve the real economy.From the perspective of the long-term development of society,the vigorous development of green finance meets the triple demand of national strategy,environmental protection and social benefits.Therefore,it is of great theoretical and practical significance to study the development of investment loan guaranty linkage mode in green finance.This article obtains from investment loan guaranty linkage mode,by analogy to the successful experience of domestic and foreign relevant institutions,in order to guarantee agencies,for example,to explore investment loan guaranty linkage mode of how to achieve maximum efficiency in the field of green finance is applied,so as to promote green financial strategy under the guidance of healthy development in the country. |
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