X商业银行发展绿色信贷业务研究

发布时间：2019-03-20 18:48

【摘要】：绿色、可持续发展已成为当今世界的时代潮流,在我们每天打开的电视、浏览的网页、微信中,食品安全、生产安全、大气污染、水污染等新闻事件接连不断,全社会对产能过剩、环境污染、资源枯竭、生态平衡等热点难点问题的关注度大大提高,倡导绿色文明,实现经济与社会、人类与自然的和谐发展成为全世界普遍共识。绿色信贷,通过引导资金流向节能减排、清洁能源、低碳环保、循环利用等绿色产业,改造经济发展传统方式、打造经济发展新引擎,推动新常态下经济社会加快转型发展。X商业银行发展绿色信贷业务,一方面可以获得长远的经济利益,另一方面又能体现其积极履行社会责任,还能助推P市经济转型升级。本论文以理论分析和实践相结合的方式,对发展绿色信贷的理论依据进行阐述,并通过分析X商业银行发展绿色信贷业务的优势、劣势,面对的机遇和挑战,对X商业银行发展绿色信贷业务提出相应的对策建议。主要结构为:理论介绍部分,归纳总结国内外绿色信贷相关研究文献、理论以及银行业金融机构发展绿色信贷业务的经验做法;业务现状部分,介绍了 X商业银行发展绿色信贷业务现状及所处的内外部环境;SWOT战略环境分析部分,运用swot分析方法,指出当前X商业银行发展绿色信贷业务的优势、劣势、机遇和挑战;对策建议部分,针对X商业银行发展绿色信贷业务存在的问题和面临的困难,提出高度重视绿色信贷工作、建立有效地激励约束机制、强化绿色信贷专业人才队伍培养建设、积极拓宽绿色信贷市场、创新金融产品和服务、强化绿色信贷风险管控、争取政府的支持、努力拓展信息来源渠道等对策建议。
[Abstract]:Green, sustainable development has become the trend of the times in today's world, in our daily television, browsing the web page, WeChat, food safety, production safety, air pollution, water pollution and other news events, and so on. The whole society pays more attention to the hot and difficult issues such as overcapacity, environmental pollution, resource exhaustion, ecological balance and so on. It has become the universal consensus all over the world to advocate green civilization, realize the harmonious development of economy and society, human beings and nature. Green credit, by directing funds to green industries such as energy conservation and emission reduction, clean energy, low-carbon environmental protection, recycling and other green industries, will transform the traditional way of economic development and build a new engine for economic development. X commercial banks can obtain long-term economic benefits on the one hand, on the other hand, they can actively fulfill their social responsibility, but also can promote the economic transformation and upgrading of P city. Based on the combination of theoretical analysis and practice, this paper expounds the theoretical basis of developing green credit, and analyzes the advantages, disadvantages, opportunities and challenges faced by X commercial banks in developing green credit business. To X commercial bank development green credit business puts forward the corresponding countermeasure suggestion. The main structure is as follows: the introduction of the theory, the summary of domestic and foreign green credit related research literature, theory and banking financial institutions to develop green credit business experience; In the part of business situation, the paper introduces the current situation and internal and external environment of X commercial bank's development of green credit business. The SWOT strategic environment analysis part, using the swot analysis method, points out the advantages, disadvantages, opportunities and challenges of the current X commercial bank developing green credit business; In the part of countermeasures and suggestions, aiming at the problems and difficulties existing in the development of green credit business in X commercial banks, this paper puts forward to attach great importance to the work of green credit, establish effective incentive and restraint mechanism, and strengthen the cultivation of professional personnel in green credit. We should actively broaden the green credit market, innovate financial products and services, strengthen the control and control of green credit risk, win the support of the government, and strive to expand the channels of information sources and other countermeasures.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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