中国农业银行绿色信贷流程管理研究

发布时间：2018-06-01 05:08

本文选题：农业银行 + 节能环保　；参考：《湖南大学》2013年硕士论文

【摘要】：随着经济和社会的快速发展，资源枯竭、生态环境污染问题日益严重，资源和环境问题被各国所关注。目前，我国不断推进资源节约型及环境友好型社会的建立，加快经济发展方式的转变，，实现可持续发展的目标。绿色信贷是金融支持经济可持续发展的重要途径，是推进我国节能环保战略发展的重要动力。为了配合我国节能减排战略的实施，银监会结合我国银行业的实际情况，于2012年印发了《绿色信贷指引》，对中国银行业实施和开展绿色信贷，促进节能环保提出了相应要求，并引导各商业银行完善绿色信贷的流程管理，提高商业银行绿色信贷的整体管理水平，促进绿色信贷的发展，为环境、经济和社会的可持续发展提供更多的金融支持，促进环境、经济和社会的可持续发展。流程管理是绿色信贷管理中的重要内容，它将节能减排、环境保护和资源循环利用等要求内化到商业银行准入业务、贷前调查、贷中审查审批以及贷后管理等流程中。本文从绿色信贷的相关概念入手，明确了绿色信贷的内涵和外延，随着国家经济发展方式的转变和相关政策的要求，我国商业银行加强了对绿色信贷的流程管理。在此基础之上，本文将以中国农业银行为研究对象，先简要回顾中国农业银行绿色信贷业务的整体开展情况，并对该行的绿色信贷流程管理和绿色信贷案例进行分析，通过以上分析，揭示了该行绿色信贷流程管理中存在的问题，并提出了相应的改进对策及建议，对完善该行绿色信贷的流程管理有良好的借鉴作用。随着农行对绿色信贷流程管理的不断完善，其将会更好地实现企业、银行和社会共赢的目标。
[Abstract]:With the rapid development of economy and society, the problem of ecological environment pollution is becoming more and more serious. At present, our country promotes the establishment of resource-saving and environment-friendly society, speeds up the transformation of economic development mode, and realizes the goal of sustainable development. Green credit is an important way for finance to support the sustainable development of economy and an important driving force to promote the development of energy saving and environmental protection strategy in China. In order to cooperate with the implementation of energy saving and emission reduction strategy in China, the CBRC issued the "Green Credit Guide" in 2012 according to the actual situation of China's banking industry, which puts forward the corresponding requirements for the implementation and development of green credit and the promotion of energy saving and environmental protection in China's banking industry. And guide commercial banks to improve the flow management of green credit, improve the overall management level of green credit of commercial banks, promote the development of green credit, and provide more financial support for the sustainable development of environment, economy and society. To promote environmental, economic and social sustainable development. Process management is an important part of green credit management. It internalizes the requirements of energy saving and emission reduction, environmental protection and resource recycling into the process of commercial bank access, pre-loan investigation, loan examination and approval, and post-loan management. Starting with the concept of green credit, this paper clarifies the connotation and extension of green credit. With the change of national economic development mode and the requirements of related policies, Chinese commercial banks have strengthened the management of green credit process. On this basis, this paper will take the Agricultural Bank of China as the research object, first briefly review the overall development of the Agricultural Bank of China's green credit business, and analyze the green credit process management and green credit cases of the agricultural bank. Through the above analysis, this paper reveals the existing problems in the green credit process management of the bank, and puts forward the corresponding improvement countermeasures and suggestions, which can be used for reference to improve the management of the green credit process of the bank. With Agricultural Bank's continuous improvement of green credit process management, it will better achieve the goal of win-win for enterprises, banks and society.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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