中国绿色信贷制度效果研究

发布时间：2018-05-25 00:38

本文选题：环境质量 + 脉冲响应函数　；参考：《内蒙古大学》2013年硕士论文

【摘要】：20世纪70年代末,全球环境污染和生态恶化问题日益突出,如何处理环境保护和经济发展之间的关系成为人们关注和研究的焦点。金融是现代经济的核心,如何发挥其资源配置功能,来控制或减缓环境污染问题逐渐进入人们的视野。金融作为现代经济的核心,如何发挥其资源配置功能,来控制或减缓环境污染问题逐渐进入人们的视野。1995年2月6日中国人民银行颁布《关于贯彻信贷政策与加强环境保护工作有关问题的通知》。该通知要求各级金融机构在信贷的发放和管理过程中要审查项目对环境的影响,积极贯彻和落实国家的环境保护政策,这是我国第一次将环保因素纳入到信贷政策范围内,标志着我国开始建立绿色信贷制度。我国绿色信贷制度已经实施了十余年,如何正确的认识和评价绿色信贷的实施效果,实际上是一个悬而未决的问题。绿色信贷对我国环境保护发挥了多大的作用?绿色信贷是否能够改善我国的环境质量?改善程度如何?我国长效的绿色信贷投资机制是否已经建立?这些问题仍需要我们回答。通过解答这些问题,评价我国绿色信贷的制度实施效果,并且分析绿色信贷制度存在的不足,为完善我国绿色信贷制度提供现实的理论依据,对下一步我国绿色信贷制度发展及环境保护工作意义重大。基于此,本文从宏观层面,以我国工业废气排放量作为衡量我国环境质量的变量,利用VAR模型的脉冲响应函数分析环境质量对绿色信贷冲击的响应路径以及绿色信贷对环境质量冲击的响应路径,以研究我国绿色信贷制度的实施效果。研究结果显示,我国的绿色信贷对环境质量虽然有改善的作用,但是改善不显著且没有持续性；我国也没有形成持续的长效绿色信贷投资机制；我国绿色信贷制度实施效果不尽人意。绿色信贷制度缺乏激励机制,尚未建立有效的绿色信贷组织体系,缺乏相应的执行标准,外部监督机制的缺失,以及绿色信贷工具单一是阻碍我国绿色信贷制度实施的主要原因。最后提出建立绿色信贷制度的激励机制；建立绿色信贷组织体系；建立绿色信贷制度执行标准；建立绿色信贷监督体系；进行绿色信贷产品的开发与创新等政策建议。
[Abstract]:At the end of 1970s, the problems of global environmental pollution and ecological deterioration become increasingly prominent. How to deal with the relationship between environmental protection and economic development has become the focus of attention and research. Finance is the core of modern economy. How to exert its function of resource allocation to control or reduce environmental pollution has gradually entered people's field of vision. As the core of modern economy, how to give full play to its resource allocation function, The people's Bank of China promulgated the notice on implementing Credit Policy and strengthening Environmental Protection on February 6, 1995. The circular requires financial institutions at all levels to examine the impact of projects on the environment in the process of granting and managing credit, and to actively implement and implement the national environmental protection policy. This is the first time that China has incorporated environmental protection factors into the scope of credit policies. Marks the beginning of China to establish a green credit system. China's green credit system has been implemented for more than ten years. How to correctly understand and evaluate the effect of green credit is actually an outstanding problem. How much role does Green Credit play in Environmental Protection in China? Can green credit improve the environmental quality of our country? What is the improvement? Has the long-term green credit investment mechanism been established in China? These questions still need to be answered. Through answering these questions, evaluating the effect of green credit system in our country, and analyzing the deficiency of green credit system, this paper provides practical theoretical basis for perfecting our country's green credit system. It is of great significance to the development of green credit system and environmental protection in our country. Based on this, this paper takes the emission of industrial waste gas as the variable to measure the environmental quality of our country from the macro level. The impulse response function of VAR model is used to analyze the response path of environmental quality to green credit shock and the response path of green credit to environmental quality shock in order to study the implementation effect of green credit system in China. The results show that although the green credit has the effect of improving the environmental quality, the improvement is not significant and sustainable, and the sustainable green credit investment mechanism has not been formed in China. The effect of green credit system in our country is not satisfactory. The green credit system lacks the incentive mechanism, the effective green credit organization system, the corresponding execution standard, the lack of the external supervision mechanism. The single tool of green credit is the main reason that hinders the implementation of green credit system in China. Finally, it puts forward some policy suggestions, such as establishing incentive mechanism of green credit system, establishing green credit organization system, establishing green credit system execution standard, establishing green credit supervision system, developing and innovating green credit products and so on.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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