绿色金融视角下的绿色信贷发展研究

发布时间：2018-03-02 13:37

本文选题：绿色金融　切入点：绿色信贷　出处：《浙江工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：可持续发展(Sustainable development)理念己成为全球共识,中国“十八大”提出的“绿色发展、循环发展、低碳发展”体现了可持续发展的内涵。现代金融业也在探索如何推进经济社会可持续发展,绿色金融兴起表明了人类可以摆脱传统工业化过程的生态环境困境,促进产业转型升级。近20年以来,国内外商银行都在探索和实践绿色信贷方式、出台绿色信贷政策、优化信贷结构、承担环境和社会责任,支持绿色经济发展。因此,研究绿色信贷问题不仅具有理论价值,也有现实意义。本文主要以可持续发展理念和绿色金融的视角出发,从四个方面研究和探索绿色金融工具—“绿色信贷”问题。一是从传统金融的特点入手,分析传统金融具有的逐利性特点,推进经济增长中并不考虑生态环境和社会责任问题,随着可持续发展理念的提出,发达国家率先进行传统金融向绿色金融的转变,国际上的黄金标杆“赤道原则”表明国外金融机构对绿色金融的实践。二是从绿色信贷的概念出发,通过与传统信贷局限性的对比,强调积极推动绿色信贷的意义,突出绿色信贷在对我国产业结构调整,战略新兴产业推动,节能减排技术推广等方面的作用,重点加入了合同能源管理的机制,通过案例阐述绿色信贷对合同能源管理项目的支持。三是分析国内外绿色信贷的发展特点和趋势,借鉴国外绿色信贷发展的成功经验,推动我国绿色信贷相关政策的制定,为我国经济转型注入活力。同时,阐述了绿色信贷的评价体系,包括环境评价,能耗评价,生产安全评价,突出绿色信贷评价体系的重要性和实用性。四是对绿色信贷发展面临的问题和挑战做了一定的思考与分析,提出绿色信贷面临的一系列问题,包括风险问题,社会责任等问题,并对这些问题提出方案,解决好相关利益者的冲突,使得推进绿色信贷的过程中合理平衡经济与环境的关系,积极推进我国绿色信贷的发展。
[Abstract]:The concept of sustainable development has become a global consensus. China's "18" put forward the "green development, recycling development," Low-carbon development "embodies the connotation of sustainable development. Modern financial industry is also exploring how to promote sustainable economic and social development. The rise of green finance shows that human beings can get rid of the ecological and environmental dilemma in the process of traditional industrialization." Promoting industrial transformation and upgrading. In the past 20 years, domestic and foreign commercial banks have been exploring and practicing green credit methods, introducing green credit policies, optimizing credit structures, assuming environmental and social responsibilities, and supporting the development of green economy. The study of green credit not only has theoretical value, but also has practical significance. Based on the concept of sustainable development and the perspective of green finance, this paper studies and explores the green financial instruments-Green Credit from four aspects. First, it analyzes the profit-seeking characteristics of traditional finance, starting with the characteristics of traditional finance. In promoting economic growth, ecological environment and social responsibility are not considered. With the concept of sustainable development, developed countries take the lead in the transformation from traditional finance to green finance. The international gold benchmark "Equator principle" shows the practice of foreign financial institutions in green finance. Second, from the concept of green credit and by contrasting with the limitation of traditional credit, it emphasizes the significance of actively promoting green credit. Highlighting the role of green credit in the adjustment of China's industrial structure, the promotion of strategic emerging industries, the promotion of energy-saving and emission reduction technologies, and the emphasis on joining the mechanism of contract energy management, The third is to analyze the development characteristics and trends of green credit at home and abroad, to draw lessons from the successful experience of foreign green credit development, and to promote the formulation of green credit policies in China. At the same time, it expounds the evaluation system of green credit, including environmental evaluation, energy consumption evaluation, production safety evaluation, The importance and practicability of green credit evaluation system are highlighted. Fourthly, the problems and challenges facing the development of green credit are considered and analyzed, and a series of problems faced by green credit are put forward, including risk, social responsibility and so on. In order to balance the relationship between economy and environment in the process of promoting green credit and actively promote the development of green credit in China, this paper puts forward some proposals to solve the conflicts of the relevant stakeholders in order to balance the relationship between economy and environment in the process of promoting green credit.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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