Research On The Design Of Rural Credit Cooperative Of Hebei Feeding Financing Project Based On Green Financial Concept

As the most populous country in the world,the issue of agriculture,rural areas and farmers is a matter of great concern to everyone.The report of the 19 th CPC National Congress states that we should strengthen the reform of the ecological civilization system and build an ecologically beautiful China.Hebei Province,with production and manufacturing industry as the pillar industry,is in a state of severe pollution all the year round,in exchange for the development of regional industry with environmental damage.Hebei Province is facing severe ecological problems.Extensive,high-power industrial transformation and upgrading is very urgent.Rural areas are heavy pollution areas,often environmental damage occurs and cannot be effectively managed.At the same time,due to the long development cycle,large early investment,low recognition in rural areas,slow recovery of funds and other practical problems,the number and scale of enterprises are not ideal,and there are some basic operating problems,such as shortage of funds and so on.Green finance is an important means to ensure the development of environmental protection enterprises.There are some problems in rural financial services,such as unbalanced supply and demand,single financial products that farmers can choose from,lack of innovation in services,low operational efficiency,lack of good credit environment and so on.If we make financial products tailor-made,make full use of the idle funds in the hands of farmers,make use of the good reputation of rural credit cooperatives in the rural environment for many years to invigorate the funds in the hands of villagers,and broaden the use of funds,to a certain extent,we can drive the production and life of rural areas.At the same time,rural credit cooperatives in Hebei Province can shoulder the corresponding social and national responsibilities and play a role in guiding and transmitting agricultural policies.Based on the analysis of the present situation of green finance development in rural areas of Hebei Province,this paper designs and studies a "back feeding" financing project.First of all,this financing product is compared with the existing financial products of the bank and other major banks in the market,and the profit mode,possible risks,marketing channels and so on are analyzed to prove the feasibility of "back feeding" financing products.Under the concept of green finance,the specific operation mode of "anti-feeding" financing products is: according to the characteristics of rural residents,the suitable savings interest rate is formulated and deposits are absorbed;at the same time,the special deposits absorbed are issued to enterprises investing in environmental protection industries;and preferential conditions are given to individual industrial and commercial households or enterprises supported by local energy conservation and emission reduction and industry optimization.Rural credit cooperatives in Hebei Province play an important role in implementing the ecological construction of national energy saving and emission reduction by guiding the direction of capital flow.Rural credit cooperatives in Hebei Province use financial living water to irrigate a new type of environmental protection industry to create a good market environment for local residents.