我国商业银行能效贷款研究

发布时间：2018-03-29 01:02

本文选题：商业银行　切入点：节能减排　出处：《首都经济贸易大学》2014年硕士论文

【摘要】：随着我国能源问题紧迫性的日益突出，如何提高能源的使用效率，在不阻碍我国生产发展的同时，又能减少污染物的排放、降低能源消耗，这是摆在我国可持续发展面前的一遒难题，同时也是解决能源问题的重要方法之…。我国在“十一五”纲要当中首次提出节能减排是贯彻科学发展观、构建社会主义和谐社会的重大举彳2006年以来，，将近7年的T间，从党中央、国务院到各级政府先后出台了各项规章制度来大力支持和倡导推动我国节能减排工作的落实。从单靠政府这只手来扶植能效减排工作到如今的向能源效率市场化机制的转变，这七年时间,我们积累的不少的经验和教训。但足，环境、能源问题依然任重而道远，深藏在市场屮的巨大潜力还没有完全的被我们挖掘出来?当其冲的就是商业银行在能源效率问题上的支持力度不足，节能减排项目融资困难是主要障碍之一。节能减排项目在我国大范围、快速的普遍推广，离不^u我国的商业银行内部迅速调整战略为能源效率贷款服务的支持《与此同时，发展能效贷款项目也是商业银行响应可持续金融发展战略和产业转型的重要举措，他能使我国的商业银行更好的认识到节能减排工作为其带来的挑战和与此而生的潜在利润。培养ilj身面对市场化改革环境下控制风险、扩大市场领域和探索新业务、新产品的能力。本论文的写作的是探充如何在中国商业银行中大力开展能效贷款项目，从而促进中国节能减排和可再生能源项目的进行，加大商业银行整体竞争能力的提高诚然，能效贷款项目相对于传统贷款有着自身的特点，正因如此，本文结合近些年来我国国内开展的能效贷款项目的实践经验和国外发达国家的过往成果进行概括和总结，目的都是为了更好促进我国能效贷款的工作开展。文章最后建设性的提出一些建议和意见。第一章《能效贷款的概念和意义》阐述关于节能减排工作、能源效率和能效贷款之间的内在关系和其开展工作的意义。第二章《能效贷款特殊性分析》针对能效贷款不同于传统贷款的特点和风险进行总结。第三章《我国商业银行^u展能效贷款案例分析》主要介绍近几年我国商业银行所^u展的一系列有关能效贷款的案例和模式。第四章《我国能效贷款的现状和不足》，结合第三章我国开展能效贷款项目的运作经历，概括我国目前对这类贷款业务的现状，并引出其所存在的不足与问题，分析产生的原因。第五章《国外能效贷款业务的^u展总结》，通过介绍欧美发达国家开展能效贷款业务的经验总结，来对我国相关业务提出指导方向。第六章《我国商业银行开展能效贷款的建议》，结合之前五章的内容，对能效贷款业务在我国商业银行大面积的推广提出建设性的意见。
[Abstract]:With the increasing urgency of energy problems in China, how to improve the efficiency of energy use, not only does not hinder the development of production in China, but also can reduce the emissions of pollutants, reduce energy consumption, This is a difficult problem facing the sustainable development of our country, and it is also one of the important ways to solve the energy problem... In the "11th Five-Year Plan", our country put forward for the first time that energy saving and emission reduction is the implementation of the scientific development view. The major project of building a harmonious socialist society since 2006 has been nearly seven years since the CPC Central Committee, The State Council and governments at all levels have successively issued various rules and regulations to vigorously support and advocate the implementation of energy conservation and emission reduction work in China. From relying solely on the government to supporting energy efficiency and emission reduction work to the current market-oriented energy efficiency mechanism, Over the past seven years, we have accumulated a lot of experience and lessons. However, the environmental and energy problems still have a long way to go, and the enormous potential hidden in the market has not been fully exploited by us? When the commercial banks' support on energy efficiency is insufficient, the difficulty of energy saving and emission reduction project financing is one of the main obstacles. Energy saving and emission reduction projects are widely popularized in China, and domestic commercial banks rapidly adjust their strategies to provide support for energy efficiency loans at the same time. The development of energy efficiency loan projects is also an important measure for commercial banks to respond to sustainable financial development strategies and industrial transformation. It can make the commercial banks of our country better realize the challenge and potential profit of energy saving and emission reduction work, train ilj to face the market reform environment to control the risk, expand the market area and explore the new business. The ability of a new product. The writing of this paper is to explore how to develop energy efficiency loan projects in China commercial banks, so as to promote the implementation of energy saving and emission reduction and renewable energy projects in China, and increase the overall competitiveness of commercial banks. Compared with traditional loans, energy efficiency loan projects have their own characteristics. Therefore, this paper summarizes and summarizes the practical experience of energy efficiency loan projects carried out in China in recent years and the past achievements of foreign developed countries. The purpose is to promote the work of energy efficiency loan in China. Finally, some suggestions and suggestions are put forward. Chapter one, "the concept and significance of Energy efficiency loan", expounds the internal relationship between energy efficiency and energy efficiency loan and the significance of its work. Chapter two, the particularity Analysis of Energy efficiency loan, summarizes the characteristics and risks of energy efficiency loan different from traditional loan. The third chapter, "A case study of energy efficiency loans by commercial banks in China", mainly introduces a series of cases and models of energy efficiency loans developed by commercial banks in China in recent years. The fourth chapter "the present situation and the insufficiency of energy efficiency loan in our country", combined with the operation experience of the energy efficiency loan project in the third chapter, summarizes the present situation of this kind of loan business in our country, and leads to its deficiency and problem. Analyze the causes. The fifth chapter is "Summary of Foreign Energy efficiency loan Business". By introducing the experience of the developed countries in Europe and the United States, the paper puts forward the guiding direction for the related business of our country. The sixth chapter is "suggestions on developing energy efficiency loans by commercial banks in our country", combining with the contents of the previous five chapters, the constructive suggestions are put forward for the promotion of energy efficiency loans in a large area of commercial banks in our country.
【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】：2014
【分类号】：F832.4

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