商业银行绿色信贷项目的风险管控研究

发布时间：2018-04-20 20:09

本文选题：商业银行 + 绿色信贷　；参考：《华北电力大学(北京)》2016年硕士论文

【摘要】：自上世纪八十年代我国实行改革开放以后,我国经济发展取得了举世瞩目的成就。在经济增长的同时我们还需要看到的是过去以资源消耗换取经济发展的模式,引发了当前我国的产业结构不够合理。相关产业引导及环境保护政策法律还存在欠缺,需要进一步优化,这些问题的存在导致在经济高速发展的同时给环境带来了巨大压力。粗放型的经济发展模式并不是长久之计,因此,在追求经济快速增长的同时,还需要为子孙后代负责,即走可持续发展经济道路。经济发展模式的转变必然会带来产业的转型和优化,需要企业对环保设施进行升级换代,企业在生产过程中需要实现高效节能、节能减排的目的,从而实现向绿色经济的转型。国际金融行业在2003年就开始倡导执行赤道原则,即以可持续发展为宗旨的经济原则,我国也在2007年开始重点对绿色信贷体系开始重点建设,通过金融行业为绿色经济的发展提供了信贷支持,并出台了一系列关于绿色信贷的文件,希望对我国绿色信贷的发展提供指导,对我国经济的可持续发展和产业优化起到促进作用。对于商业银行来说,绿色信贷的风险管理有别于传统信贷的风险管理,是个技术性要求较高的领域。本文阐述绿色信贷的系统概念并结合商业银行信贷风险管理的理论,通过比较分析国内主要商业银行开展绿色信贷的现状和对绿色信贷风险管控的实践情况。识别目前银行投放绿色信贷所面临的来自企业、行业、政策以及银行操作流程方面不完善而引发的风险,采用文献资料法与系统分析法,进一步分析这些风险的形成原因。以信贷风险与环境风险管理相关理论作为研究指导,学习借鉴发达国家商业银行在环境风险管理方面的成熟经验,在银行传统信贷评级的基础上,加入了环境风险因素的评价分值。最后总结提出我国商业银行在进行绿色信贷项目的贷前审查、贷中控制和贷后管理各个环节应加入对环境风险影响因素管理。结合我国国情的实际,为银行开展绿色信贷规避环境风险提出了对策建议,建立合理的绿色信贷风险防范控制体系,形成了一套完整的环境风险管控流程,梳理十个环境风险管控操作环节,总结出三种风险评估方法,最终得出规避和控制绿色信贷风险的管控措施。
[Abstract]:Since the implementation of reform and opening up in 1980's, China's economic development has made remarkable achievements. At the same time, we also need to see that the pattern of exchanging resources for economic development in the past has caused the current industrial structure of our country to be unreasonable. There are still some deficiencies in industrial guidance and environmental protection policies and laws, which need to be further optimized. The existence of these problems leads to great pressure on the environment while the economy is developing at a high speed. Extensive economic development model is not a long-term solution, therefore, in pursuit of rapid economic growth, but also need to be responsible for future generations, that is, to take the path of sustainable economic development. The transformation of economic development mode will inevitably bring about the transformation and optimization of industry. It is necessary for enterprises to upgrade and replace environmental protection facilities. In the process of production, enterprises need to achieve the purpose of efficient energy saving and energy saving and emission reduction, thus realizing the transformation to green economy. In 2003, the international financial industry began to advocate the implementation of the Equator principle, that is, the economic principle aimed at sustainable development. In 2007, China began to focus on the construction of the green credit system. Through the financial industry to provide credit support for the development of the green economy, and issued a series of documents on green credit, hoping to provide guidance for the development of green credit in China. The sustainable development of our economy and industrial optimization play a role in promoting. For commercial banks, the risk management of green credit is different from the risk management of traditional credit. This paper expounds the system concept of green credit and combines with the theory of credit risk management of commercial banks, through comparative analysis of the current situation of green credit carried out by major commercial banks in China and the practice of managing and controlling the risk of green credit. In order to identify the risks caused by the imperfections of enterprises, industries, policies and banks' operation procedures, the paper further analyzes the causes of these risks by using the method of literature and system analysis. Under the guidance of the theory of credit risk and environmental risk management, we learn from the mature experience of commercial banks in developed countries in environmental risk management, on the basis of the traditional credit rating of banks. The evaluation value of environmental risk factors is added. Finally, it is concluded that the management of environmental risk factors should be added to the control and post-loan management of China's commercial banks in the pre-loan review of green credit projects. Combined with the actual situation of our country, this paper puts forward some countermeasures and suggestions for banks to carry out green credit to avoid environmental risks, establishes a reasonable green credit risk prevention and control system, and forms a complete set of environmental risk management and control process. Combing ten operational links of environmental risk management and management, three risk assessment methods are summarized, and finally, the control measures to avoid and control green credit risk are obtained.
【学位授予单位】：华北电力大学(北京)
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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