我国上市股份制商业银行绿色信贷实践研究

发布时间：2018-04-19 13:05

本文选题：上市商业银行 + 绿色信贷　；参考：《北京林业大学》2014年硕士论文

【摘要】：中国银行业快速发展中,越来越多关注和涉足绿色信贷,对商业银行绿色信贷问题的研究成为银行业发展的热点问题之一。本文从绿色信贷提出的理论基础和现实背景入手,借鉴国际跨国银行可持续金融的经验和挑战,运用数据对比、描述性统计和回归相关性分析等方法对我国16家上市股份制商业银行绿色信贷业务财务绩效影响(坏账率、资产回报率和成本收入比三个财务指标)和绿色信贷实施的现状和问题进行分析,发现现阶段,这16家上市股份制银行银行绿色信贷业务比重与银行坏账率和总资产回报率不存在线性相关,也无其他显著相关性,而银行绿色信贷业务比重与银行成本收入比呈显著负相关,从而表明银行绿色信贷业务增加一定程度有助于改善银行财务绩效。同时也指出了这16家上市股份制商业银行在绿色信贷实施的动力,信息披露机制、绿色信贷标准、绿色信贷结构,以及绿色信贷业务创新等方面存在问题。最后,本文在分析问题的基础上,提出了改善我国上市商业银行绿色信贷业务的相关建议,包括优化外部政策环境,立法以明确责任的承担着及应负的法律责任；建立绿色信贷标准体系；明确绿色信贷激励与约束机制。此外,从银行内部机制出发规范绿色信贷业务管理,加强绿色信贷业务创新。
[Abstract]:With the rapid development of China's banking industry, more and more attention has been paid to green credit, and the research on green credit of commercial banks has become one of the hot issues in the development of banking industry.This paper starts with the theoretical basis and realistic background of green credit, draws lessons from the experiences and challenges of international multinational banks' sustainable finance, and applies the data comparison.Descriptive statistics and regression correlation analysis have an impact on the financial performance of the green credit business of 16 listed joint-stock commercial banks in China.The current situation and problems of the implementation of green credit and return on assets and cost-income ratio are analyzed, and it is found that at the present stage,The proportion of green credit business in these 16 listed joint-stock banks has no linear correlation with bad debts rate and total return on assets, and there is no other significant correlation, while the proportion of green credit business has a significant negative correlation with the ratio of bank cost to income.Therefore, the increase of bank green credit business is helpful to improve bank financial performance.At the same time, the paper also points out the existing problems of the 16 listed joint-stock commercial banks in green credit implementation, information disclosure mechanism, green credit standards, green credit structure, green credit business innovation and so on.Finally, based on the analysis of the problems, this paper puts forward some suggestions to improve the green credit business of listed commercial banks in China, including optimizing the external policy environment, legislating to assume the clear responsibility and legal responsibility;Establish the green credit standard system and clarify the incentive and restraint mechanism of green credit.In addition, we should standardize the management of green credit business and strengthen the innovation of green credit business from the bank's internal mechanism.
【学位授予单位】：北京林业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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