绿色信贷促进北京绿色产业发展的研究

发布时间：2018-03-18 11:04

本文选题：绿色信贷　切入点：商业银行　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国现在经济发展正处在转型时期,北京作为首都亦不例外,近些年北京的经济发展受到环境方面带来的巨大压力,例如空气污染严重、资源及能源匮乏等多个方面问题。如何平衡经济发展同环境保护、资源节约方面的关系,已经成为当今摆在我们面前首要解决的问题。我们应该极力避免环境恶化,资源紧张成为制约北京经济和社会发展的“瓶颈”。作为最主要和最重要的金融机构的组成部分,银行应该更多承担社会责任。发展绿色信贷,是北京发展绿色经济,打造国际绿色环境友好型城市的强大动力。它可以促进经济,社会和环境的可持续发展,提供更多的资金支持绿色产业。本文比较全面地阐述了国内外绿色信贷发展的背景,并对国内外绿色信贷主要业务进行分析,得出大力开展绿色信贷业务是商业银行践行企业社会责任、更好地服务于经济和社会可持续发展的必然要求。其次本文通过分析国际领先银行绿色信贷的实践,我们看到了国际绿色信贷发展的先进性,其中文中阐述的赤道原则是我国商业银行可以借鉴运用的。同时分析了北京银行业绿色信贷发展的现状,通过以北京新能源汽车产业发展为例,指出国内绿色信贷发展中存在的诸多问题,及绿色信贷支持北京绿色产业发展必要性,最后从完善外部环境、差异化信贷政策、专业化信贷团队,产品创新等角度有针对性的提出了绿色信贷如何更好支持北京绿色产业发展的对策建议。
[Abstract]:China's economic development is now in a period of transition, and Beijing as the capital is no exception. In recent years, Beijing's economic development has been under tremendous pressure from environmental aspects, such as serious air pollution. How to balance the relationship between economic development and environmental protection and resource conservation has become the most important problem facing us today. We should try our best to avoid environmental degradation. Resource constraints have become a "bottleneck" that restricts Beijing's economic and social development. As a component of the most important and important financial institutions, banks should assume more social responsibility. The development of green credit is the development of a green economy in Beijing. It can promote sustainable development of economy, society and environment, and provide more funds to support green industry. This paper comprehensively expounds the background of the development of green credit at home and abroad, and analyzes the main business of green credit at home and abroad, and concludes that it is the corporate social responsibility of commercial banks to carry out green credit business vigorously. Secondly, through the analysis of the practice of green credit in international leading banks, we see the advanced nature of the development of international green credit. The equatorial principle described in this paper can be used by Chinese commercial banks for reference. At the same time, the paper analyzes the present situation of the development of green credit in Beijing banking industry, and takes the development of Beijing's new energy automobile industry as an example. The paper points out that there are many problems in the development of green credit in China, and the necessity of green credit to support the development of green industry in Beijing. Finally, from perfecting the external environment, differentiating credit policy, specialized credit team, This paper puts forward the countermeasures and suggestions on how to support the development of green industry in Beijing from the point of view of product innovation.
【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】：2013
【分类号】：F127;F832.4

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