我国银行业绿色信贷的发展现状及问题研究

发布时间：2018-04-04 14:55

本文选题：绿色信贷　切入点：商业银行　出处：《首都经济贸易大学》2017年硕士论文

【摘要】：18世纪产业革命以来,工业文明得到了迅速的发展,经济社会都发展到了一个崭新的高度,但同时人类也为此付出了惨痛的代价。环境污染、资源枯竭、生态破坏等环境问题都严重地阻碍着人类的进一步发展。在中国,改革开放使得经济得到了飞速的发展,但也带了诸多问题,产业结构不合理、环境污染严重、资源不能有效利用,生态平衡被破坏。为了能够使经济环境协调发展,世界各国对环境保护的关注日益提升,在全球范围内,经济的可持续发展、绿色发展已经成为共识。在环境保护政策效果不是十分明显的情况下,人们开始将目光从生产流程的规范转向了资金源头的规范。绿色信贷就是要求银行在对企业的授信审批过程中要加入对企业环境风险的评估,将环境风险作为信贷准入的一个重要门槛,以此来间接消除企业可能带来的环境问题。本文从绿色信贷的发展历程出发,首先阐述了绿色信贷的内涵与特征,并从经济、社会和生态三个方面阐述了发展绿色信贷的优越性,其次从国家和地方两个层面回顾了绿色信贷相关政策在我国的发展历程。接下来对绿色信贷在我国银行业的发展现状进行研究,对实施的必要性、业务规模和主要银行的政策内容进行研究分析,并基于SWOT分析得出战略选择。同时对国外绿色信贷的实践经验做出总结,并对我国银行业发展绿色信贷过程中的不足提出建议。
[Abstract]:Since the industrial revolution in the 18th century, industrial civilization has developed rapidly, and the economy and society have developed to a new height, but at the same time, human beings have also paid a heavy price for it.Environmental problems, such as environmental pollution, resource depletion and ecological destruction, are seriously hindering the further development of human beings.In China, the reform and opening to the outside world has made the economy develop rapidly, but also brought many problems, such as unreasonable industrial structure, serious environmental pollution, unavailability of resources and destruction of ecological balance.In order to make the economic environment develop harmoniously, the countries all over the world pay more and more attention to the environmental protection day by day. In the global scope, the sustainable development of the economy, the green development has become the consensus.Under the circumstance that the effect of environmental protection policy is not very obvious, people begin to change their attention from the production process standard to the capital source standard.Green credit requires banks to add the assessment of enterprise environmental risk in the process of granting credit to enterprises, and regard environmental risk as an important threshold of credit access, so as to indirectly eliminate the environmental problems that enterprises may bring.Starting from the development course of green credit, this paper first expounds the connotation and characteristics of green credit, and expounds the superiority of developing green credit from three aspects of economy, society and ecology.Secondly, it reviews the development of green credit policy in China from the national and local levels.Then the development of green credit in China's banking industry is studied, the necessity of implementation, the business scale and the policy content of major banks are analyzed, and the strategic choice is obtained based on SWOT analysis.At the same time, the author summarizes the practical experience of green credit in foreign countries, and puts forward some suggestions on the deficiency in the development of green credit in China's banking industry.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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