兴业银行发展绿色信贷业务分析

发布时间：2018-05-25 21:28

本文选题：绿色信贷 + 兴业银行　；参考：《河北金融学院》2017年硕士论文

【摘要】：生态环境的日益恶化是全球面临的共同问题,为了缓解环境与经济之间的矛盾,绿色经济应运而生。绿色经济发展离不开绿色金融的支持,商业银行作为金融体系的主要成员,承担着社会责任,有义务促进绿色经济、绿色金融的发展。我国为了实现绿色发展,建设美丽中国,出台了一系列政策措施,鼓励商业银行积极参与。但我国商业银行的绿色贷款总体比重仍然较小。这主要是因为商业银行对绿色信贷存在疑惑,不确定绿色信贷能否提高商业银行的可持续发展能力。本文以兴业银行的绿色信贷实践情况为例,首先描述兴业银行绿色信贷业务的发展情况,主要包括兴业银行绿色信贷产品、绿色信贷政策、绿色信贷管理体系及绿色信贷融资总量等四小部分。其次,通过与绿色信贷政策实施力度相对较低的浦发银行和民生银行做对比,从资产规模、资产质量、盈利情况三个方面分析大力发展绿色信贷业务对兴业银行可持续发展能力有何影响。发现绿色信贷业务在一定程度上提高了兴业银行可持续发展能力,但也存在一定的风险问题。接着,通过前文阐述的兴业银行绿色信贷发展现状及发展绿色信贷对兴业银行可持续发展能力的影响情况,总结出兴业银行发展绿色信贷所面临的问题,最后根据问题,提出针对性的解决建议。希望通过对兴业银行的绿色信贷业务进行分析,可以对其他银行提供借鉴意义。
[Abstract]:The deterioration of ecological environment is a common problem in the world. In order to alleviate the contradiction between environment and economy, green economy emerges as the times require. The development of green economy can not be separated from the support of green finance. Commercial banks, as the main members of the financial system, bear the social responsibility and have the obligation to promote the development of green economy and green finance. In order to realize green development and build a beautiful China, China has issued a series of policies and measures to encourage commercial banks to participate actively. However, the overall proportion of green loans of commercial banks in China is still relatively small. This is mainly because commercial banks have doubts about green credit and are not sure whether green credit can improve the sustainable development ability of commercial banks. This paper takes the green credit practice of Industrial Bank as an example, first describes the development of green credit business of Industrial Bank, mainly including green credit products, green credit policy. Green credit management system and the total amount of green credit financing such as four small parts. Secondly, by comparing with Pudong Development Bank and Minsheng Bank, which have relatively low green credit policy implementation, from the perspective of asset size and asset quality, This paper analyzes the influence of green credit on the sustainable development ability of Societe Generale Bank from three aspects of profit situation. It is found that green credit improves the sustainable development ability of Industrial Bank to some extent, but there are some risk problems. Then, through the current situation of green credit development and the influence of green credit development on the sustainable development ability of Societe Generale Bank, the paper summarizes the problems faced by Societe Generale Bank in the development of green credit, and finally, according to the problems, Put forward targeted solutions. The author hopes to provide reference to other banks by analyzing the green credit business of Societe Generale Bank.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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