本文選題：綠色信貸 + 環(huán)境保護��； 參考：《西南政法大學》2011年碩士論文

【摘要】：改革開放以來,中國經濟飛速發(fā)展,在物質條件十分繁榮的今天,環(huán)境污染、資源枯竭所帶來的環(huán)境危機也日益突出。人們逐漸意識到綠色環(huán)保、可持續(xù)發(fā)展的重要性,因此環(huán)境保護成了全社會除了經濟發(fā)展之外的另一大重要課題。公司企業(yè)的本性是追求利益最大化,單純用道德去倡導企業(yè)尊重自然環(huán)境是不可能的,因此必須運用適當的行政管理手段以及環(huán)境經濟政策來指導和約束企業(yè)的經濟行為。綠色信貸政策就是在這樣的背景下產生的,控制信貸就可以影響企業(yè)的經營決策行為。綠色信貸政策,簡單的說就是銀行等金融機構對高污染高耗能企業(yè)和項目實行貸款限制或者是實行高于市場的利率,對環(huán)保節(jié)能的企業(yè)和項目提供貸款支持并給予低于市場的利率。這項政策在金融杠桿因素的作用下,在實體經濟中的影響力會成倍的擴張,引導企業(yè)走向綠色環(huán)保生產方式的道路上,進而起到幫助調整我國經濟發(fā)展方式,實現可持續(xù)發(fā)展的作用。 綠色信貸在當前我國的作用毋庸置疑,并且中國已經出臺了綠色信貸政策,已經取得了一定的成效,但是效果并不理想。本文的目的就是討論將綠色信貸政策上升為法律制度的必要性和可行性,如何去構建和完善綠色信貸法律制度。具體的說,本文共分為五個部分。第一部分介紹綠色信貸的概述,包括內涵,理論基礎以及在我國的現狀和發(fā)展;第二部分主要介紹綠色信貸的法律化,論述了綠色信貸法律化的必要性、可行性以及綠色信貸法律制度的價值追求,法理基礎;第三部分介紹了國外綠色信貸的實踐經驗以及對我國的啟示,主要介紹了實行得比較成功的美國、英國、加拿大等國;第四部分也是本文的重點部分,對我國綠色信貸法律制度的建構和完善提出了一些對策意見。 通過分析,得出的結論是:構建和完善綠色信貸法律制度是一項系統工程,需要多個部門、采取各種措施互相配合、相互協調。首先,建立科學、完善的綠色信貸實施標準,提高該制度的可操作性;其次,完善綠色信貸的信息披露和信息溝通、共享制度,確保該制度的準確性和有效性;再次,完善政府部門職責,明確監(jiān)管者的法律責任,防止監(jiān)管者失職、缺位等情況的發(fā)生,保障綠色信貸法律制度的順利實施;最后,完善與綠色信貸相關的外在保障制度。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly. Today, when the material conditions are very prosperous, the environmental crisis caused by environmental pollution and resource depletion has become increasingly prominent. People gradually realize the importance of green environmental protection and sustainable development, so environmental protection has become another important subject in the whole society besides economic development. The nature of a company is to pursue profit maximization. It is impossible to advocate the enterprise to respect the natural environment with morality. Therefore, it is necessary to use appropriate administrative means and environmental economic policies to guide and restrain the economic behavior of enterprises. The green credit policy is produced under this background, controlling credit can influence the enterprise's management decision behavior. Green credit policy, in short, is that banks and other financial institutions impose loan restrictions on enterprises and projects with high pollution and high energy consumption or impose higher interest rates than the market. Provide loan support to green-energy-saving enterprises and projects and offer below-market interest rates. Under the influence of financial leverage, this policy will multiply its influence in the real economy, guide enterprises to the road of green and environmentally friendly production, and then help adjust the way of economic development in China. The role of sustainable development There is no doubt that the role of green credit in our country, and China has issued a green credit policy, has achieved some results, but the effect is not ideal. The purpose of this paper is to discuss the necessity and feasibility of raising green credit policy to legal system, and how to construct and perfect the legal system of green credit. Specifically, this paper is divided into five parts. The first part introduces the outline of green credit, including its connotation, theoretical basis, current situation and development in our country, the second part mainly introduces the legalization of green credit, and discusses the necessity of legalization of green credit. The third part introduces the practical experience of foreign green credit and its inspiration to our country, mainly introduces the successful implementation of the United States, Britain, Canada and other countries. The fourth part is also the key part of this paper, put forward some countermeasures to the construction and perfection of the green credit legal system in our country. The conclusion is that it is a systematic project to construct and perfect the legal system of green credit, which requires many departments to take various measures to coordinate and coordinate with each other. First, establish scientific and perfect green credit implementation standards to improve the operability of the system; secondly, improve the information disclosure and information communication, sharing system to ensure the accuracy and effectiveness of the system; third, Improve the responsibilities of government departments, clear the legal responsibilities of regulators, prevent the occurrence of negligence and absence of regulators, ensure the smooth implementation of the legal system of green credit; finally, improve the external protection system related to green credit.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2011
【分類號】：D922.281;D922.68;F832.4

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本文編號：1916614