论化解农村金融排斥的创新模式 ——林业碳汇交易引导资金回流农村的实证分析

目前，农村金融排斥已十分严重，极大地影响着农村经济发展，主要原因是政府出台的化解政策无法解决金融机构开展农村金融服务与实现利润最大化目标的矛盾。本文认为，发展林业碳汇交易是化解农村金融排斥的创新模式，能够引导资金回流农村，促进金融机构在支持林业碳汇交易的同时实现自身商业化可持续发展，并以广西珠江流域再造林林业碳汇项目为案例，对其化解农村金融排斥的成效进行了实证检验。开展林业碳汇交易顺应绿色环保潮流，具有持续化解农村金融排斥的作用。政府应大力促进林业碳汇交易发展。

STUDY ON THE INNOVATION MODE OF RURAL FINANCE——An Empirical Analysis of Forestry Carbon Sequestration Transaction

The rural financial exclusion had greatly influenced the development of the rural economy. The main reason was that financial institutions could not achieve the goal of profit maximization when they carry out financial services in rural areas. This study showed that the forestry carbon sequestration transaction was an innovation mode for defusing the problem of rural financial exclusion,which would guide the flow of capital back into rural areas,and promote financial institutions to realize their own sustainable development. This paper applied the Guangxi Pearl River Basin forest carbon sequestration project to empirically verify the effectiveness of forestry carbon sequestration trade. Developing forest carbon sequestration transactions could play the role on defusing rural financial exclusion,which should be vigorously promoted by government.