基于G1-熵权法的商业银行绿色信贷实施效果评价研究

发布时间：2018-04-15 00:05

本文选题：绿色信贷 + 评价方法　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：随着2016年G20峰会的结束,绿色金融,绿色信贷已成为热词并被大家广泛关注。而且随着政府《节能减排授信工作指导意见》《绿色信贷指引》《能效信贷指引》等一系列文件的发布,我国已经开始进入绿色信贷全面发展阶段。然而,尽管目前我国商业银行己经认识到实施绿色信贷不仅仅有利于经济结构的调整和经济增长方式的转变,也是银行社会责任的表现和提高自身长远经济效益的需要,而且商业银行也逐渐将绿色信贷作为其发展的重要方向,我国绿色信贷规模也在逐年扩大,但是由于对银行实施绿色信贷的效果缺乏科学有效的评价,使得有些商业银行对于绿色信贷的兴趣仍然比较低,有时仅是为了应付监管而敷衍了事,所以对商业银行实施绿色信贷的效果进行科学有效的评价意义重大,其不但能够反映各商业银行对于绿色信贷的态度和实施效果,也有利于监管部门据此实施差异化监管政策,以促进我国绿色信贷的快速发展。本文对如何完善我国商业银行绿色信贷实施效果的评价进行了研究。首先本文对绿色信贷和绿色信贷评价的相关概念进行了界定,介绍了我国商业银行绿色信贷发展的状况,指明了绿色信贷实施效果评价的内容与主要方法,并对现有的商业银行绿色信贷实施效果评价方法进行分析,总结经验,指出问题,在此基础上引出G1-熵权综合评价法。然后基于G1-熵权法构建了绿色信贷实施效果评价模型,并选择中国工商银行、中国银行、中国建设银行、兴业银行等13家国内上市商业银行作为研究样本进行了实证分析,并对其绿色信贷实施效果进行了排名。最后,从政府监管部门、商业银行自身、社会组织和公众三个角度对如何完善我国商业银行绿色信贷实施效果的评价提出了相应的对策建议。
[Abstract]:With the end of the 2016 G20 summit, green finance, green credit has become a hot word and widespread attention.With the release of a series of documents, such as the guidance on Energy Saving and Emission reduction Credit, the Green Credit guideline and the Energy efficiency Credit guideline, China has already entered the stage of green credit development in an all-round way.However, although China's commercial banks have realized that the implementation of green credit is not only conducive to the adjustment of economic structure and the transformation of economic growth mode, but also the performance of banks' social responsibility and the need to improve their long-term economic benefits.Moreover, commercial banks gradually regard green credit as an important direction of their development, and the scale of green credit in China is expanding year by year. However, due to the lack of scientific and effective evaluation of the effect of implementing green credit in banks,As a result, some commercial banks still have low interest in green credit, sometimes just to cope with supervision and perfunctory, so it is of great significance to evaluate the effect of green credit in commercial banks scientifically and effectively.It not only reflects the attitude and effect of the commercial banks towards green credit, but also helps the supervision department to implement the differential supervision policy, so as to promote the rapid development of green credit in China.This paper studies how to improve the effect of green credit implementation of commercial banks in China.First of all, this paper defines the concept of green credit and green credit evaluation, introduces the development of green credit in commercial banks in China, and points out the content and main methods of green credit implementation evaluation.Based on the analysis of the existing evaluation methods of green credit in commercial banks, the experience is summarized and the problems are pointed out. On this basis, the comprehensive evaluation method of G1-entropy weight is introduced.Then, based on the G1-entropy method, a green credit implementation evaluation model is constructed, and 13 domestic listed commercial banks, such as Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Industrial and Commercial Bank of China, Industrial and Commercial Bank of China and Industrial Bank of China, are selected for empirical analysis.And carries on the rank to its green credit implementation effect.Finally, from the government supervision department, the commercial bank itself, the social organization and the public three angles, how to perfect our country commercial bank green credit implementation effect appraisal proposed the corresponding countermeasure suggestion.
【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】：2017
【分类号】：F832.4

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