征信制度安排实现“绿色信贷”效应传导的泉州案例分析
发布时间：2018-12-06 20:38
【摘要】：本文拟依托征信层面,首次从实证角度通过"定量+定性"方式对绿色信贷政策执行效率开展数理量化分析,意图通过对企业征信系统中已入库信贷数据的时序观测及趋势研判,以及用以度量、评估"绿色信贷"执行效率的指标变量体系设计,在此基础上尝试构造环保信息入库与企业环保意识、融资情况等参数间的相关性数理分析模型,从中探究征信体系如何通过环保信息入库这一制度性安排来实现"绿色信贷"的执行传导,并对企业环保、信用意识和金融机构放贷行为产生深远影响的信用传导机制,进而深层次探求"低碳金融"征信层面的制度设计缺陷及政策盲区,并相应提出提升绿色金融执行效率的较优选择路径。
[Abstract]:This paper, based on credit information, first carries out a quantitative and quantitative analysis of the efficiency of green credit policy implementation through the "quantitative and qualitative" approach from an empirical point of view. The purpose of this paper is to design an index variable system for evaluating the efficiency of "green credit" by observing and judging the time series and trends of the stored credit data in the enterprise credit information system, as well as the design of the index variables used to measure and evaluate the efficiency of "green credit" implementation. On this basis, we try to construct a mathematical analysis model of correlation between environmental information storage and enterprises' environmental awareness, financing situation and other parameters. This paper explores how the credit information system can carry out the transmission of "green credit" through the institutional arrangement of environmental protection information storage, and the credit transmission mechanism, which has a profound influence on enterprises' environmental protection, credit awareness and the lending behavior of financial institutions. Furthermore, this paper probes into the defects of system design and the blind areas of policy at the credit level of "low carbon finance", and puts forward a better way to improve the efficiency of green finance implementation.
【作者单位】： 中国人民银行泉州市中心支行;
【分类号】：F832.4;F205
[Abstract]:This paper, based on credit information, first carries out a quantitative and quantitative analysis of the efficiency of green credit policy implementation through the "quantitative and qualitative" approach from an empirical point of view. The purpose of this paper is to design an index variable system for evaluating the efficiency of "green credit" by observing and judging the time series and trends of the stored credit data in the enterprise credit information system, as well as the design of the index variables used to measure and evaluate the efficiency of "green credit" implementation. On this basis, we try to construct a mathematical analysis model of correlation between environmental information storage and enterprises' environmental awareness, financing situation and other parameters. This paper explores how the credit information system can carry out the transmission of "green credit" through the institutional arrangement of environmental protection information storage, and the credit transmission mechanism, which has a profound influence on enterprises' environmental protection, credit awareness and the lending behavior of financial institutions. Furthermore, this paper probes into the defects of system design and the blind areas of policy at the credit level of "low carbon finance", and puts forward a better way to improve the efficiency of green finance implementation.
【作者单位】： 中国人民银行泉州市中心支行;
【分类号】：F832.4;F205
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【共引文献】
相关期刊论文 前10条
1 阮芳;;论绿色信贷立法化研究——以银行业监管为视角[J];法制与社会;2011年05期
2 郭q，
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