商业银行发展绿色信贷的国际比较研究

发布时间：2018-03-31 11:55

本文选题：绿色信贷　切入点：商业银行　出处：《山西财经大学》2017年硕士论文

【摘要】：环境问题目前已成为我国备受关注的焦点问题,随着生态文明建设和可持续发展列入国策,我国正在全行业实行绿色发展。绿色信贷作为商业银行绿色金融的重要组成部分,在近年来成为商业银行发展的重点。本文受到巴黎气候大会的启发,力求通过对中外商业银行绿色信贷发展的对比研究,寻找我国商业银行绿色信贷发展的问题,并提出商业银行发展绿色信贷的合理路径,使今后发展与可持续发展政策实施相匹配,在对环境增加正外部性的同时对银行自身发展提供有利条件。本文首先对国内外绿色信贷的研究进行综合述评,并对其进行梳理,结合相关的理论模型,对国内外绿色信贷需要考察的几方面进行现状说明,如环境信息披露方面、总体架构建设方面、政策措施制定与实施等方面。其次本文通过对国内外绿色信贷发展现状的对比研究,对国内商业银行绿色信贷的优势和问题进行分析,发现我国商业银行在总体框架和政策的制定方面有较好的表现,但在环境信息披露和绿色信贷政策实施方面仍然需要提升,其中表现为环境信息公布不全面、环境信息公布约束机制不健全、绿色信贷缺乏统一标准;只有个别商业银行采纳赤道原则,使得赤道原则的覆盖面较少。最后本文对我国商业银行如何优化绿色信贷发展提出合理的对策建议,包括对绿色信贷有关政策规章制度的制定、绿色信贷内部实践机制建设,达到促进可持续发展的效果。
[Abstract]:Environmental problems have become the focus of our country's attention. With the construction of ecological civilization and sustainable development being included in the national policy, China is implementing green development in the whole industry. Green credit is an important part of green finance of commercial banks. In recent years, it has become the focus of the development of commercial banks. Inspired by the Paris Climate Conference, this paper tries to find out the problems of the development of green credit of commercial banks in China through the comparative study of the development of green credit in Chinese and foreign commercial banks. It also puts forward a reasonable way for commercial banks to develop green credit so as to match the future development with the implementation of sustainable development policies. At the same time, it provides favorable conditions for the development of banks. Firstly, this paper reviews the research on green credit at home and abroad, and combs it, combining with relevant theoretical models. The current situation of green credit needs at home and abroad is explained, such as environmental information disclosure, overall framework construction, Secondly, this paper analyzes the advantages and problems of green credit of domestic commercial banks through the comparative study of the current situation of the development of green credit at home and abroad. It is found that commercial banks in China have better performance in the overall framework and policy formulation, but the environmental information disclosure and green credit policy implementation still need to be improved, among which the environmental information disclosure is not comprehensive. The environmental information disclosure constraint mechanism is not perfect, the green credit lacks the unified standard; only individual commercial banks adopt the equatorial principle, Finally, this paper puts forward reasonable countermeasures and suggestions on how to optimize the development of green credit, including the formulation of policies and regulations related to green credit, the construction of internal practice mechanism of green credit. To achieve the effect of promoting sustainable development.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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