绿色信贷制度法律问题初探

发布时间：2018-01-14 17:24

本文关键词：绿色信贷制度法律问题初探　出处：《复旦大学》2013年硕士论文　论文类型：学位论文

【摘要】：在我们共同享受工业文明带来的繁荣时,环境污染、资源枯竭等问题也给我们乃至子孙后代的生活带来严峻的威胁。保护环境,实施可持续发展已经成为全球共识,由工业文明向生态文明转变已经成为社会发展的大趋势。各国的环境保护实践都说明,当前采用传统的环境行政管理手段和法律手段已远不能解决环境危机问题,积极运用金融调控等市场经济手段,引导和刺激企业转变经营理念,自主进行产业结构的调整和污染防治,积极追求经济效益和环境效益的协调统-已经成为各国的普遍共识。“绿色信贷”这一机制正是在这一社会经济背景之下得以发挥其积极的经济调控作用。国际上对绿色信贷的研究起步较早,许多国际组织,国家政府和银行等金融机构纷纷出台政策,将环境保护与经济措施联系起来,通过规制银行的信贷活动来促进环境保护。绿色信贷在中国正处于起步阶段,目前我国已经基本建立了绿色信贷法律体系。但是不得不看到的是,我国绿色信贷制度还不完善,无论在管理制度上还是在操作技术上都还存在着一定问题,在执行效果上仍亟待提高。本文从绿色信贷的具体概念和背景入手,通过介绍国外和国内绿色信贷的立法实践情况分析我国绿色信贷法律制度中存在的问题,并提出一些合理化建议。本文内容一共分为四个章节,具体内容如下：第一章介绍绿色信贷的概念和提出的背景,对绿色信贷做一个概括性介绍。第二章介绍绿色信贷法律制度的国际实践,包括国际组织,国外政府部门以及国外银行业制定的绿色信贷相关规定以及其实施情况,为我国的绿色信贷提供借鉴经验。第三章介绍我国绿色信贷的法律体系以及目前银行业的执行情况。第四章分析我国绿色信贷存在的主要问题,进而对于我国绿色信贷法律体系提出一些具体建议。
[Abstract]:When we enjoy the prosperity brought by industrial civilization together, environmental pollution, resource depletion and other problems have also brought us and future generations a serious threat to their lives and protect the environment. The implementation of sustainable development has become a global consensus, from industrial civilization to ecological civilization has become a major trend of social development. At present, it is far from being able to solve the problem of environmental crisis by using traditional environmental administrative means and legal means, and actively using market economy means such as financial regulation and control to guide and stimulate enterprises to change their business concepts. We will independently adjust the industrial structure and prevent pollution. It has become a common understanding of all countries to actively pursue the coordination of economic and environmental benefits, and the mechanism of "green credit" has been able to play its positive role in economic regulation under this social and economic background. International research on green credit started early, many international organizations, national governments and banks and other financial institutions have issued policies to link environmental protection with economic measures. Green credit is in its infancy in China. At present, the legal system of green credit has been basically established in China. China's green credit system is not perfect, whether in the management system or in the operational technology, there are still some problems, in the implementation of the effect still need to be improved. This article starts with the concrete concept and background of green credit, and analyzes the problems existing in the legal system of green credit in our country by introducing the legislative practice of green credit in foreign and domestic countries. The content of this paper is divided into four chapters, the specific content is as follows: the first chapter introduces the concept of green credit and the background. The second chapter introduces the international practice of the legal system of green credit, including international organizations. Foreign government departments and foreign banks to formulate the green credit regulations and their implementation. The third chapter introduces the legal system of green credit in China and the current implementation of the banking industry. Chapter 4th analyzes the main problems of green credit in China. Then put forward some concrete suggestions to our country green credit law system.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28

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