商业银行绿色信贷激励机制研究

发布时间：2018-06-25 07:10

本文选题：商业银行 + 绿色信贷　；参考：《安徽财经大学》2013年硕士论文

【摘要】：为应对日益严峻的环境问题,我国提出了走资源节约型、环境友好型的绿色发展道路。在这样的背景下,发展绿色信贷成为绿色发展道路上一项不可或缺的经济手段。虽然绿色信贷是题中之一,但是基于绿色信贷发展的特点以及现实执行中出现的问题和障碍,不难发现绿色信贷的发展需要外部的激励。由于现行激励措施不够完善,影响着商业银行发放绿色信贷的积极性和绿色信贷在我国的进展程度。因此,研究绿色信贷激励机制解决绿色信贷发展与银行自身利益最大化的矛盾,促进商业银行积极发展绿色信贷,成为了本文的研究重点。本文首先从绿色信贷激励机制的相关理论入手；其次,对主要发达国家(美国、日本、德国、英国)实施绿色信贷的主要激励手段进行归纳,对其特点和成功经验进行比较与总结,进而为我国绿色信贷激励机制的完善提供有益的启示；再次,在梳理有关绿色信贷政策的基础上,重点围绕激励措施进行分析并对其实施效果加以评价指出激励措施的局限性,如相关法律法规的缺失、激励监管的缺失以及经济激励的缺失等。在此基础上,运用锦标机制模型和博弈论模型分别从经济措施和监管措施两个层面进行激励设计,制订出既符合社会效益又符合商业银行利益的激励措施,从正向和反向两方面激励商业银行积极主动的推行绿色信贷；最后,从完善配套的法律法规制度、健全的基础性配套措施、建立配套的财税补偿机制以及有效的监督管理机制四个方面给予完善商业银行绿色信贷激励机制的政策建议。
[Abstract]:In order to deal with the increasingly severe environmental problems, our country put forward the green development road of resource saving and environment friendly. In this context, the development of green credit has become an indispensable economic means on the road of green development. Although green credit is one of the problems, it is easy to find that the development of green credit needs external incentives based on the characteristics of the development of green credit and the problems and obstacles in the actual implementation. Because the current incentive measures are not perfect, it affects the enthusiasm of commercial banks to extend green credit and the progress of green credit in our country. Therefore, the study of green credit incentive mechanism to solve the contradiction between the development of green credit and the maximization of banks' own interests, and to promote the commercial banks to actively develop green credit, has become the focus of this paper. This paper begins with the relevant theories of green credit incentive mechanism. Secondly, it summarizes the main incentives of green credit in the main developed countries (USA, Japan, Germany, Britain). Compare and summarize its characteristics and successful experiences, and then provide useful inspiration for the improvement of green credit incentive mechanism in China. Thirdly, on the basis of combing the green credit policy, Focusing on the analysis and evaluation of the effect of incentive measures, this paper points out the limitations of incentive measures, such as the lack of relevant laws and regulations, the lack of incentive regulation and the lack of economic incentives. On the basis of this, the incentive design from two aspects of economic measures and supervision measures is carried out by using the model of championship mechanism and game theory, and the incentive measures, which are not only in line with the social benefits but also with the interests of commercial banks, are worked out. Encouraging commercial banks to proactively implement green credit from both positive and reverse aspects. Finally, from perfecting the supporting laws and regulations system and perfecting the basic supporting measures, The establishment of supporting fiscal and tax compensation mechanism and effective supervision and management mechanism to improve the green credit incentive mechanism of commercial banks policy recommendations.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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