商业银行发展绿色金融的激励约束机制研究

发布时间：2018-03-17 21:03

本文选题：商业银行　切入点：绿色金融　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着经济活动的扩张,人类对环境的破坏日益严重,环境破坏不仅直接增加了银行业的风险,甚至可能危及银行业的可持续经营和生产。“绿色金融”是在全球金融业发展过程中形成的新型金融理念,已经成为国际金融业发展的一种趋势。它将金融与环境保护联系起来,对于转变经济增长方式有重大意义。然而,在我国商业银行绿色金融的发展过程中,出现了“热情不高、效率不高”的现象,而造成这种现象的主要原因是我国尚缺乏一套针对商业银行发展绿色金融的激励约束机制,致使我国绿色金融发展效率低下,与国际先进同业相比还有很大差距。在总结先前国内外学者针对绿色金融的研究上,文章通过首次解释了商业银行发展绿色金融中的委托—代理关系,并基于此关系构建了针对我国商业银行发展绿色金融的激励约束机制,完成理论创新。在结构上,首先对商业银行发展绿色金融的激励相容问题进行了系统的理论研究；然后对国外政府在激励与约束商业银行发展绿色金融的措施以及商业银行绿色金融发展实践展开经验研究；最后分析了我国商业银行在发展绿色金融中的现状以及存在的问题,并构建了针对我国商业银行发展绿色金融的激励约束机制——CLCAB系统以及CLNCB系统。中共“十八大”报告提出了“在金融系统领域深化金融体制改革、推进金融创新和维护金融稳定”以及“建设建立体现生态文明要求的目标体系、考核办法、奖惩机制”战略任务,文章的研究试图为这一攻坚任务提供理论素材和参考。
[Abstract]:With the expansion of economic activities, the damage to the environment is becoming more and more serious. The damage to the environment not only directly increases the risk of banking, "Green finance" is a new financial concept formed in the development of global financial industry, which has become a trend in the development of international financial industry. It links finance with environmental protection. It is of great significance to change the mode of economic growth. However, in the development of green finance of commercial banks in China, the phenomenon of "low enthusiasm and low efficiency" appears. The main reason for this phenomenon is that our country still lacks a set of incentive and restraint mechanism for commercial banks to develop green finance, which leads to the low efficiency of green finance development in our country. Compared with the international advanced industry, there is still a big gap. In summing up the previous research on green finance by domestic and foreign scholars, the article explains for the first time the principal-agent relationship in the development of green finance by commercial banks. Based on this relationship, the incentive and constraint mechanism for the development of green finance of commercial banks in China is constructed, and the theoretical innovation is completed. Firstly, the incentive compatibility of the development of green finance in commercial banks is systematically studied in theory. Then, the paper makes an empirical study on the measures taken by foreign governments to encourage and restrain commercial banks to develop green finance and the practice of green finance development of commercial banks. Finally, the paper analyzes the current situation and existing problems of the development of green finance in commercial banks in China. The incentive and restraint mechanism for the development of green finance in China's commercial banks, CLCAB system and CLNCB system, are constructed. The report of the 18 National Congress of the Communist Party of China puts forward "deepening the reform of the financial system in the field of financial system". To promote financial innovation and maintain financial stability "and" to build a target system reflecting the requirements of ecological civilization, assessment methods, reward and punishment mechanism "strategic task, the article tries to provide theoretical material and reference for this difficult task.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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