我国商业银行绿色信贷问题研究

发布时间：2018-01-30 23:18

本文关键词： 环境保护商业银行绿色信贷　出处：《首都经济贸易大学》2010年硕士论文　论文类型：学位论文

【摘要】： 随着经济的发展和社会的进步,环境问题正越来越成为当今各国关注的焦点问题之一,这也是我国经济发展过程中所必须平衡兼顾的重要问题。经济活动的运行离不开资金的融通,要想实现经济发展方式的转变,金融业特别是作为我国主要融资渠道的银行业,也必须做出相应的改变,为环境保护和可持续发展提供相应的金融支持。本文首先通过对绿色信贷业务的介绍以及绿色信贷相关背景的分析,指出我国商业银行发展绿色信贷业务是经济社会可持续发展、商业银行环境风险管理及其履行社会责任、提高国际竞争力的必然要求；其次,本文分析了国际和国内绿色信贷的实践；然后指出我国商业银行绿色信贷业务的发展依然存在的诸多问题,如银行效益与社会责任冲突问题、地方行政部门压力问题、环保信息沟通问题、创新问题等。最后,本文针对上述问题提出了相应的解决方案,指出我国绿色信贷业务应从政府和商业银行两方面形成合力,实现对环境保护的金融支持。
[Abstract]:With the development of economy and the progress of society, the environmental problem is becoming one of the focus issues that the countries pay more and more attention to. This is also an important issue that must be balanced in the process of economic development in China. The operation of economic activities can not be separated from the financing, in order to achieve the transformation of the mode of economic development. The financial industry, especially the banking industry, which is the main financing channel of our country, must also make corresponding changes to provide corresponding financial support for environmental protection and sustainable development. First of all, through the introduction of green credit business and the analysis of the background of green credit, this paper points out that the development of green credit business of commercial banks in China is the sustainable development of economy and society. Commercial banks environmental risk management and its social responsibility to improve the international competitiveness of the inevitable requirements; Secondly, this paper analyzes the international and domestic practice of green credit; Then it points out that there are still many problems in the development of green credit business of commercial banks in China, such as the conflict between bank benefit and social responsibility, the pressure of local administrative departments, and the communication of environmental protection information. Finally, this paper puts forward the corresponding solutions to the above problems, and points out that the green credit business of our country should form a joint force from the government and commercial banks to realize the financial support for environmental protection.
【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】：2010
【分类号】：F832.4;F205

【引证文献】