产业金融 是现代金融体系趋向综合化过程中出现的依托并能有效促进特定产 业发展的金融活动的总称 。产业发展离不开金融支持，金融资本增值更离不开产 业的发展壮大，金融与产业的有效融合可增强社会财富的放大效应，实现产业和 金融的双赢。目前，金融渠道融资在我国重点产业融资总额中占据首位，比重超 过 40%。相应地，产业金融在商业银行信贷资产中也占据举足轻重的地位。 然而，目前商业银行的产业贷款主要集中于重点产业和大中型企业。在国民 经济和社会发展中居于基础地位的涉农产业和小微企业由于自身禀赋和金融排斥 等原因，在金融资源配置中处于劣势地位。随着脱贫攻坚、乡村振兴等国家战略 的实施，普惠金融理念日益深入人心，商业银行也在结合地方经济政策和特色产 业，为弱势产业和小微企业提供更多金融产品和服务。鉴于涉农产业信贷周期长、 收益低、风险大的固有特征，如何创新涉农产业金融经营管理模式，在促进农业 振兴、农民增收的同时有效防控风险、实现商业可持续和经济社会效益双赢是值 得深入研究的重大理论和现实课题。 本文立足上述现实背景，探讨商业银行涉农产业金融业务的模式创新和持续 发展问题。论文在梳理国内外研究现状基础上，厘清产业金融、涉农产业金融等 相关概念的内涵，以金融排斥理论、金融包容理论、不完全竞争市场理论、产业 金融生命周期理论等为指导，理论分析我国商业银行发展产业金融的必要性与可 行性，目前我国商业银行产业金融的发展概况及主要发展模式以及现阶段面临的 挑战和限制。以中国邮政储蓄银行湖北分行**支行的“龙虾贷”为典型案例，剖 析“龙虾贷”涉农产业信贷的推出背景、实践创新及取得成效，归纳成功经验及 启示。最后，针对我国商业银行产业金融的面临的困难及瓶颈，借鉴案例经验， 分别从政府部门、商业银行以及企业多方视角提出促进我国商业银行产业金融发 展的建议。本文的研究成果对构建和完善我国的普惠金融体系具有一定的理论借 鉴意义。 关键词：普惠金融 产业金融 涉农产业金融 银企协同 模式创新 I湖 北 工 业 大 学 硕 士 学 位 论 文 Abstract Industrial finance is the general term for the financial activities that depend on and can effectively promote the development of specific industries in the process of the integration of modern financial system. Industry development cannot be separated from financial support, and financial capital appreciation cannot be separated from the development and growth of industry. The effective integration of finance and industry can enhance the amplification effect of social wealth and achieve a win-win situation between industry and finance. At present, financial channel financing occupies the first place in the total financing of China's key industries, accounting for more than 40%. Accordingly, industrial finance also occupies a pivotal position in the credit assets of commercial Banks. However, the industrial loans of commercial Banks are mainly concentrated in key industries and large and medium-sized enterprises. The agriculture-related industries and small and micro enterprises, which occupy a basic position in the national economy and social development, are at a disadvantage in the allocation of financial resources due to their own endowment and financial exclusion. With the implementation of national strategies such as poverty alleviation and rural revitalization, the concept of inclusive finance has become increasingly popular. Commercial Banks are also providing more financial products and services to vulnerable industries and small and micro businesses by combining local economic policies and characteristic industries. In view of the long credit cycle, low returns and high risks of agriculture-related industries, how to innovate the financial operation and management mode of agriculture-related industries, effectively prevent and control risks while promoting the revitalization of agriculture and increasing farmers' income, and realize the win-win of commercial sustainability and economic and social benefits is a major theoretical and practical topic worthy of in-depth study. Based on the above realistic background, this paper discusses the mode innovation and sustainable development of commercial Banks' agriculture-related financial business. Based on carding domestic and foreign research present situation, the paper clarify the financial industry, agricultural industry financial related concepts such as connotation, with financial exclusion theory, theory of financial inclusion, incomplete competition market theory, industry financial life cycle theory as the instruction, such as theoretical analysis the necessity and feasibility of financial development of our country commercial bank industry, at present our country commercial bank industries finance development situation and main development mode and challenges and limitations. II湖 北 工 业 大 学 硕 士 学 位 论 文 Taking "lobster loan" of * * sub-branch of Hubei branch of Postal Savings Bank of China as a typical case, this paper analyzes the launch background, practical innovation and achievements of "lobster loan" credit in agriculture-related industries, and summarizes the successful experience and enlightenment. Finally, in view of the difficulties and bottlenecks faced by the industrial finance of China's commercial Banks, this paper draws on the case experience and puts forward Suggestions to promote the industrial finance development of China's commercial banks from the perspectives of government departments, commercial Banks and enterprises. The research results of this paper also have some theoretical reference significance for the construction and improvement of China's inclusive financial system. Keywords: Inclusive finance; Industrial finance; Agriculture-related industrial finance; Bank-enterprise synergy; Mode innovation III湖 北 工 业 大 学 硕 士 学 位 论 文 目 录 摘要.........................................................I 第 1 章 绪 论.....................................................1 1.1 研究背景 ...................................................1 1.2 研究目的及意义 .............................................2 1.3 国内外研究现状 .............................................3 1.3.1 国外研究现状 .........................................3 1.3.2 国内研究现状 .........................................4 1.3.3 研究现状评价 .........................................6 1.4 研究思路与研究内容 .........................................6 1.4.1 研究思路 .............................................6 1.4.2 研究内容 .............................................7 1.5 研究方法及可能的创新 .......................................8 1.5.1 研究方法 .............................................8 1.5.2 可能的创新 ...........................................9 第 2 章 相关概念与理论概述.......................................10 2.1 相关概念的界定 ............................................10 2.1.1 产业金融 ............................................10 2.1.2 普惠金融 ............................................11 2.1.3 涉农产业金融 ........................................12 2.2 相关理论基础 ..............................................12 2.2.1 普惠金融相关理论 ....................................12 2.2.2 长尾理论 ............................................12 2.2.3 农村金融相关理论 ....................................13 2.3 商业银行发展涉农产业金融的必要性与可行性 ..................14 2.3.1 现实必要性分析 ......................................14 2.3.2 可行性分析 ..........................................15 第 3 章 商业银行涉农产业金融发展概况及面临问题 ...................17 3.1 我国商业银行产业金融的历史沿革及发展概况 ..................17 3.1.1 初步尝试阶段.........................................17 IV湖 北 工 业 大 学 硕 士 学 位 论 文 3.1.2 逐渐形成阶段 ........................................17 3.1.3 迅速发展阶段 ........................................17 3.2 商业银行涉农产业金融的主要模式 ............................18 3.2.1 “政府+产业+银行”模式 ..............................18 3.2.2“政府+担保公司+产业+银行”模式 ......................19 3.2.3 “保险+产业+银行”模式 ..............................19 3.2.4 “产业链核心企业+产业链上下游客户+银行”模式 ........20 3.3 商业银行发展涉农产业金融中存在的障碍及问题 ................20 3.3.1 涉农产业金融政策不完善 ..............................20 3.3.2 政府主管部门引导作用尚待加强.........................21 3.3.3 涉农产业（链）抵御风险能力相对较弱 ..................21 3.3.4 商业银行战略层面重视程度不够 ........................21 3.3.5 商业银行涉农产业信贷业务效率较低.....................22 第 4 章 邮储银行**支行“龙虾贷”业务模式创新实践 .................23 4.1 邮储银行及其涉农产业金融发展概况 ..........................23 4.1.1 邮储银行发展概况及业务特色 ..........................23 4.1.2 邮储银行产业金融发展概况 ............................23 4.1.3 邮储银行涉农产业金融开展状况 ........................24 4.2 邮储银行湖北分行**支行“龙虾贷”业务实施背景 ..............25 4.3 虾稻连作模式下小龙虾产业经济效益及资金需求分析 ............26 4.3.1 虾稻连作模式下小龙虾产业经济效益分析.................26 4.3.2 虾稻连作模式下小龙虾产业信贷资金需求分析.............27 4.4 邮储银行**支行“龙虾贷”业务主要模式 ......................28 4.4.1 政府（村）信用+产业+银行的“银村合作”模式...........28 4.4.2 政府基金+担保公司+产业+银行“政银担”模式............29 4.4.3 产业+银行的“白名单客户”模式 .......................29 第 5 章 邮储银行**支行“龙虾贷”项目实施效果及启示 ...............30 5.1 邮储银行**支行“龙虾贷”项目实施效果 ......................30 5.1.1 业务特点及模式亮点...................................30 5.1.2 经济效益和社会效益 ..................................30 5.2 案例对商业银行小龙虾产业贷款业务的启示 ....................31 V湖 北 工 业 大 学 硕 士 学 位 论 文 5.2.1 多方考察慎重选择贷款项目.............................31 5.2.2 多渠道多方式分担化解风险.............................31 5.2.3 多主体通力合作打造良好营商环境.......................32 5.3 案例对商业银行涉农产业金融筹划的借鉴价值 ..................32 5.3.1 立足地方经济发展主导产业选择重点扶持产业.............32 5.3.2 在充分调研基础上精心设计贷款产品和业务模式...........32 第 6 章 推进商业银行涉农产业金融发展的建议.......................34 6.1 政府部门层面 ..............................................34 6.1.1 加快信用制度建设和完善涉农产业保险体系 ..............34 6.1.2 搭建银企合作交流互信平台 ............................35 6.1.3 加大出台涉农产业金融政策 ............................35 6.2 商业银行层面 ..............................................35 6.2.1 转变经营理念和发展模式 ..............................36 6.2.2 创新涉农产业金融产品和服务...........................36 6.2.3 培养涉农产业金融专门人才 ............................37 6.2.4 强化风险防控意识 优化风险管理流程 ...................37 6.3 涉农产业链其他相关主体层面 ................................38 第 7 章 研究结论与展望...........................................39 7.1 研究结论 ..............................................39 7.2 研究不足及展望 ........................................40。。。。。。以下内容略