基于兴业银行浅析我国商业银行发展绿色信贷的对策

发布时间：2018-04-29 22:36

本文选题：绿色信贷 + 可持续发展　；参考：《哈尔滨商业大学》2017年硕士论文

【摘要】：经历了三十多年的高速发展,资源的浪费与枯竭、环境的污染与恶化,使得我国经济发展与环境资源之间的矛盾日益凸显。伴随着我国经济发展进入新常态,粗放式经济发展方式不能再持续下去,亟需转变发展方式。党的十八大明确提出建设生态文明这一重大目标,随后十八届五中全会又提出了绿色发展理念,可见我国对协调经济发展和环境保护的高度重视。"绿色信贷"是国际金融机构在环境保护领域经常使用的一种信贷手段,是一项创新型金融政策。金融业处于经济运行的核心,银行业金融机构又是社会资金融通的枢纽。商业银行发展绿色信贷,在信贷领域设立环境准入门槛,既可发挥在环境保护和产业升级方面的推动作用,又为其控制信贷风险提供了新的途径。绿色信贷,从源头上有效遏制"两高一剩"行业盲目发展,引导资金流向绿色型企业和项目,推动我国产业结构调整升级,进而促进了经济与环境的协调可持续发展。本文首先通过对有关文献资料的归纳总结,掌握了绿色信贷的相关理论基础,为接下来的研究奠定了基础,接着深入分析我国上市商业银行绿色信贷发展现状并找出存在的问题,然后以我国首家"赤道银行"兴业银行为典型案例,深入剖析其发展绿色信贷情况,总结出其相关的经验,并对绿色信贷给商业银行盈利性带来的影响进行了实证分析,最后结合存在的问题和兴业银行发展绿色信贷的经验,为我国商业银行发展绿色信贷提出相应对策。
[Abstract]:After more than 30 years of rapid development, the waste and depletion of resources, environmental pollution and deterioration, the contradiction between economic development and environmental resources has become increasingly prominent. With China's economic development entering into the new normal, extensive economic development mode can not continue, the urgent need to change the mode of development. The 18th National Congress of the Party clearly put forward the major goal of building ecological civilization, and then put forward the concept of green development at the Fifth Plenary session of the 18th CPC Central Committee, which shows that our country attaches great importance to coordinating economic development and environmental protection. " Green credit is a kind of credit which is often used by international financial institutions in the field of environmental protection. It is an innovative financial policy. Financial industry is the core of economic operation, and banking financial institutions are the hub of social capital. The development of green credit in commercial banks and the establishment of environmental entry barriers in the field of credit can not only play a driving role in environmental protection and industrial upgrading, but also provide a new way for them to control credit risks. Green credit can effectively curb the blind development of "two high and one surplus" industries, guide the capital flow to green enterprises and projects, promote the adjustment and upgrading of China's industrial structure, and promote the coordinated and sustainable development of economy and environment. First of all, by summarizing the relevant literature and materials, this paper has grasped the relevant theoretical basis of green credit, which has laid the foundation for the following research. Then it analyzes the current situation of green credit development of listed commercial banks in China and finds out the existing problems. Then taking the first "Equator Bank" as a typical case, the paper analyzes the development of green credit in China. This paper summarizes the relevant experience, and analyzes the impact of green credit on the profitability of commercial banks. Finally, it combines the existing problems and the experience of developing green credit in Societe Generale Bank. Put forward the corresponding countermeasure for our country commercial bank to develop green credit.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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