我国商业银行实施绿色信贷的环境风险管理研究

发布时间：2018-03-21 19:19

本文选题：商业银行　切入点：绿色信贷　出处：《福建师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：长久以来,我国以资源过度开采、能源过度消耗来换取社会经济的快速发展,导致各类生态问题频发,自然环境日益恶化。目前,我国经济发展的首要任务是加快经济发展方式转变,促进经济结构转型和升级。政府提出要综合利用法律法规、经济政策和先进技术尽快解决环境污染问题。绿色信贷作为环境治理经济政策的重要代表,是限制“两高一剩”行业,推动企业节能减排,促进经济结构转型升级的有效措施。随着市场经济不断发展完善,金融业在经济社会中的地位越发重要。商业银行作为市场资金融通的中介,通过控制资金的流向,可以影响接受其服务的企业的行为。商业银行在其金融服务中融入环保要求,可以起到引导企业履行环保社会责任的效果。当前,政府在环境保护方面加大整治力度,不断完善各类法律法规、经济政策,从银行自身经营角度来看,环境风险已经成为商业银行信贷业务中的重要风险之一。如何减少信贷资金投向高污染、高能耗、潜在环境风险客户,以降低银行本身的环境风险,是当前商业银行面临的重大难题。本文以商业银行绿色信贷环境风险管理作为研究对象,阐释了商业银行实施绿色信贷环境风险管理的必要性,分析了国内商业银行绿色信贷环境风险管理的实施情况及存在的问题,学习借鉴发达国家商业银行环境风险管理的先进经验,结合我国的现实国情,提出了提升我国商业银行发展绿色信贷环境风险管理水平的思路与对策。
[Abstract]:For a long time, our country has exchanged over exploitation of resources and excessive consumption of energy for the rapid development of social economy, which has led to frequent ecological problems and worsening of the natural environment. The primary task of China's economic development is to speed up the transformation of the mode of economic development and to promote the transformation and upgrading of the economic structure. The government has proposed to make comprehensive use of laws and regulations. As an important representative of environmental governance economic policy, green credit is an effective measure to limit "two high and one surplus" industries, to promote energy saving and emission reduction of enterprises, and to promote economic structural transformation and upgrading. With the continuous development and perfection of the market economy, the position of the financial industry in the economic society has become more and more important. As the intermediary of market capital financing, commercial banks control the flow of funds. Commercial banks can incorporate environmental protection requirements into their financial services, which can have the effect of guiding enterprises to fulfill their social responsibility for environmental protection. At present, the government has stepped up efforts to improve environmental protection. From the perspective of banks' own operation, environmental risk has become one of the important risks in the credit business of commercial banks. How to reduce the investment of credit funds into high pollution and high energy consumption, Potential environmental risk customers in order to reduce the environmental risk of the bank itself is a major problem facing commercial banks. This article takes the commercial bank green credit environment risk management as the research object, explained the commercial bank carries out the green credit environment risk management necessity, This paper analyzes the implementation and existing problems of green credit environmental risk management in domestic commercial banks, learns to learn from the advanced experience of environmental risk management of commercial banks in developed countries, and combines the actual situation of our country. This paper puts forward some ideas and countermeasures to improve the level of risk management of green credit environment in Chinese commercial banks.
【学位授予单位】：福建师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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