SPD银行绿色信贷创新研究

发布时间：2018-04-01 02:20

本文选题：低碳经济　切入点：绿色信贷　出处：《华南理工大学》2013年硕士论文

【摘要】：目前，世界生态环境与经济发展的矛盾日益突出。低碳经济悄然兴起并逐步改变世界经济格局，我国也同样经历着由高碳经济向低碳经济的转型。以“绿色金融”为主题的金融业创新成为了世界金融界的发展新课题。在控制风险的前提下，开展“绿色信贷”、推动低碳经济也就成了全球商业银行近年来工作的重点之一，国内多家商业银行已经把“绿色信贷”提升到了战略高度，SPD银行是其中较早确立其战略地位的一家商业银行。本文以SPD银行为研究对象，从其绿色信贷创新的内外部环境分析入手，探讨其绿色信贷创新的战略选择，在此基础上,尝试为SPD银行绿色信贷产品创新设计方案，分析其绿色信贷创新中存在的问题，并给出适当的建议。本文首先从绿色信贷创新的背景分析，指出发展绿色信贷对于社会经济发展、银行未来在市场上竞争地位的确立均存在重要意义；通过相关文献梳理，明确目前国内外绿色信贷创新研究存在的差距；其次通过分析SPD银行绿色信贷创新的内外部环境，，运用SWOT分析法整理出SPD银行绿色信贷创新面临的机会与风险，优势与劣势，进一步分析SPD银行绿色信贷创新战略选择，并给出策略建议；然后尝试运用：引入国际风险分担机制、引入权利质押模式、引入保理模式、采用财务顾问中间业务模式、运用债务融资工具这五种金融模式，提出了十种具体的绿色信贷产品项目创新设计方案；最后指出SPD银行在绿色信贷创新中存在的具体问题，并给出适当的建议。
[Abstract]:At present, the contradiction between the world ecological environment and economic development is increasingly prominent.Low-carbon economy is rising quietly and gradually changing the world economic pattern. China is also experiencing the transition from high-carbon economy to low-carbon economy.The innovation of financial industry with green finance as its theme has become a new topic in the world financial circles.Under the premise of controlling risks, the development of "green credit" and the promotion of a low-carbon economy have become one of the priorities of the global commercial banks in recent years.Many domestic commercial banks have promoted "green credit" to strategic height. SPD bank is one of the commercial banks that established its strategic position earlier.This paper takes SPD Bank as the research object, starting with the internal and external environment analysis of its green credit innovation, discusses the strategic choice of its green credit innovation, and on this basis, attempts to design the green credit product innovation scheme for SPD Bank.This paper analyzes the problems existing in the innovation of green credit, and gives some suggestions.This paper first analyzes the background of green credit innovation and points out that the development of green credit is of great significance to the social and economic development and the establishment of banks' future competitive position in the market.Secondly, by analyzing the internal and external environment of green credit innovation in SPD Bank, the opportunities and risks, advantages and disadvantages of green credit innovation in SPD Bank are sorted out by using SWOT analysis method.This paper further analyzes the choice of green credit innovation strategy of SPD bank, and gives some suggestions, and then tries to use: introducing international risk-sharing mechanism, introducing pledge of rights model, introducing factoring model, adopting financial adviser intermediate business model.Using the five financial models of debt financing instruments, this paper puts forward ten concrete green credit product project innovation design schemes, and finally points out the concrete problems existing in the green credit innovation of SPD Bank, and gives some appropriate suggestions.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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