商业银行绿色信贷匹配机制问题的研究

发布时间：2018-04-28 02:55

本文选题：商业银行 + 绿色信贷　；参考：《湖南科技大学》2014年硕士论文

【摘要】：随着可持续发展观念深入人心，绿色金融的概念应运而生。绿色金融是指为了人类、经济与自然的协调发展，在政策、舆论导向上向环保产业和绿色经济倾斜的经济概念。具体到银行业，通过信贷的方式来引导企业环保型项目的发展，即为绿色信贷。绿色信贷的首要任务，是在银行投资、商业项目与环境保护之间寻找到交叉领域，使其相互促进，互利共赢。如何实现资金和项目的相互匹配，形成了经济学上的双向匹配理论。研究银行与企业之间、资金与项目之间稳定的双边绿色信贷匹配机制，，具有一定的理论和现实意义。本文从绿色信贷的基本概念着手，综述了国内外关于绿色信贷的相关研究进展，包括绿色信贷的基本内涵以及相关政策，通过分析绿色信贷与可持续发展、与银行提高自身业绩、与保障投资安全以及与国家调整发展模式的内在联系，论述了发展绿色信贷业务的客观条件和主要需求。对双边匹配理论及其双边多对一模型进行了介绍，构建银行与企业之间的双边匹配模型，用Shapley值法找到银行、企业和环境保护三方匹配合作得到的最大效益，同时通过这个最大效益与银行贷款之间的关系得出匹配价值，并给出理论上的最佳解决方案。根据匹配模型对湖南省银行与企业之间进行实例应用分析，得出其匹配价值，然后确定企业与银行匹配的最终结果。总结分析结果，提出绿色信贷匹配机制的政策建议，同时对绿色信贷政策提出自己的看法和体会。
[Abstract]:With the concept of sustainable development deeply rooted in the hearts of the people, the concept of green finance emerged as the times require. Green finance is an economic concept that is inclined to the environmental protection industry and green economy in the direction of policy and public opinion for the sake of the coordinated development of human, economy and nature. Specific to the banking industry, through the way of credit to guide the development of environmental protection projects, that is, green credit. The first task of green credit is to find the intersection between bank investment, commercial projects and environmental protection, to promote each other, mutual benefit and win-win. How to realize the mutual matching of funds and projects has formed the two-way matching theory in economics. It is of theoretical and practical significance to study the bilateral green credit matching mechanism between banks and enterprises and between funds and projects. This paper begins with the basic concept of green credit, summarizes the related research progress of green credit at home and abroad, including the basic connotation of green credit and related policies, through the analysis of green credit and sustainable development. This paper discusses the objective conditions and main requirements for the development of green credit business, which are related to the banks' improvement of their own performance, to the protection of investment safety and to the adjustment of the development mode of the state. This paper introduces the bilateral matching theory and its two-sided multi-to-one model, constructs the two-sided matching model between banks and enterprises, and finds out the maximum benefit of the tripartite matching cooperation among banks, enterprises and environmental protection by using Shapley value method. At the same time, through the relationship between the maximum benefit and the bank loan, the matching value is obtained, and the best solution in theory is given. According to the matching model, the paper analyzes the application of the matching model between the banks and enterprises in Hunan Province, obtains the matching value, and then determines the final results of the matching between the enterprises and the banks. This paper summarizes the results of the analysis, puts forward some policy suggestions on the matching mechanism of green credit, and puts forward its own views and experiences on the green credit policy at the same time.
【学位授予单位】：湖南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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