低碳经济下我国构建绿色信贷机制的思考

发布时间：2018-01-14 10:12

本文关键词：低碳经济下我国构建绿色信贷机制的思考　出处：《吉林财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：在经济增长和人类社会快速发展的同时，全球气候和环境问题日益成为世界关注的焦点，发展低碳经济逐渐成为国际主流价值观。低碳经济的培育和发展离不开政府、金融、技术这三方面的支持，而在金融这个要素中，绿色信贷具有至关重要的作用。正确处理金融业与可持续发展的关系即为绿色信贷的本质。绿色信贷不仅是保护环境、治理污染的重要经济手段，同时也是银行业在21世纪发展的必然趋势。在当前中国以间接融资为主的融资结构下，银行信贷占据主导地位，绿色信贷对低碳经济的支持作用至关重要。但是，，目前我国各家银行在开展绿色信贷实践的过程中还存在着许多问题亟需解决。在此背景下，研究我国如何构建绿色信贷机制、如何以绿色信贷促低碳经济发展是迫在眉睫的重要问题。本文首先概括介绍了低碳经济和绿色信贷的相关内容，指出发展绿色信贷的重要意义；其次，用博弈论模型来分析我国绿色信贷参与主体的行为特征和策略选择，找到目前我国在实施绿色信贷过程中的困难之处，力图为构建我国绿色信贷机制提供理论支撑；再次，对比分析了国外和国内商业银行在绿色信贷方面的实践，总结了发达国家绿色信贷经验对我们的启示。同时深入分析了我国银行在发展绿色信贷业务过程中存在的问题，如法律政策不完善、缺乏有效的绿色信贷责任与激励机制、商业银行的经营目标与社会责任之间存在矛盾、环保信息沟通机制不健全、人才缺乏等；最后，从政府、商业银行、政策性银行三个角度提出了构建绿色信贷机制的相应对策和建议。
[Abstract]:At the same time of economic growth and rapid development of human society, global climate and environmental issues are increasingly becoming the focus of the world. The development of low-carbon economy has gradually become the mainstream international values. The cultivation and development of low-carbon economy can not be separated from the support of government, finance and technology, and in the element of finance. Green credit plays an important role. Correctly handling the relationship between finance and sustainable development is the essence of green credit. Green credit is not only an important economic means to protect the environment and control pollution. At the same time, it is also the inevitable trend of banking development in 21th century. Under the current financing structure of indirect financing in China, bank credit plays a leading role. Green credit plays an important role in supporting low-carbon economy. However, there are still many problems that need to be solved in the process of carrying out green credit practice. It is an urgent and important problem to study how to construct green credit mechanism and how to promote the development of low carbon economy with green credit. Firstly, this paper introduces the related contents of low-carbon economy and green credit, and points out the significance of developing green credit. Secondly, using the game theory model to analyze the behavior characteristics and strategic choice of green credit participants in China, to find out the difficulties in the implementation of green credit in our country. To provide theoretical support for the construction of China's green credit mechanism; Third, the comparative analysis of foreign and domestic commercial banks in green credit practice. This paper summarizes the experience of green credit in developed countries and analyzes the problems existing in the development of green credit business, such as imperfect laws and policies. Lack of effective green credit responsibility and incentive mechanism, commercial bank business objectives and social responsibility between the contradictions, environmental information communication mechanism is not perfect, lack of talent; Finally, from the government, commercial banks and policy banks, the corresponding countermeasures and suggestions to construct green credit mechanism are put forward.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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