【摘要】：經(jīng)濟的粗放式發(fā)展為社會迅速積累了大量的物質(zhì)財富,在物質(zhì)匱乏時期這種發(fā)展方式勢在必行也最為有效,為我國經(jīng)濟發(fā)展做出巨大貢獻。但是這種高能耗、高排放、高污染的發(fā)展方式對生態(tài)系統(tǒng)與自然環(huán)境造成了無法修復(fù)的創(chuàng)傷。隨著社會物質(zhì)財富的不斷積累,人民生活水平不斷提高,生活環(huán)境成為人們更為關(guān)心的問題。大規(guī)模霧霾天氣的頻發(fā),極端天氣的頻現(xiàn),讓人們更加渴望潔凈的空氣,優(yōu)美的環(huán)境。所以低能耗、低排放、低污染的綠色經(jīng)濟成為我國發(fā)展的必然方向和趨勢。其次,作為經(jīng)濟發(fā)展中的核心、對資金具有支配作用的銀行業(yè),現(xiàn)在面臨諸多困境:資本市場搶奪銀行的流動資金,息差盈利失去發(fā)展空間,傳統(tǒng)的盈利方式明顯乏力,再加上銀行壞賬居高不下,人們已然普遍認(rèn)識到銀行業(yè)目前面臨的困境,由此亟待尋求新的發(fā)展模式與利潤增長點�；谝陨显蛏虡I(yè)銀行綠色信貸業(yè)務(wù)應(yīng)運而生,綠色信貸是商業(yè)銀行在“赤道原則”的基礎(chǔ)上發(fā)展而來。赤道原則是金融領(lǐng)域在環(huán)境保護方面所應(yīng)承擔(dān)的企業(yè)責(zé)任和社會責(zé)任認(rèn)識的基礎(chǔ)上達成的共同準(zhǔn)則�，F(xiàn)在綠色信貸已經(jīng)成為商業(yè)銀行和政府倡導(dǎo)的發(fā)展方向。綠色信貸對于環(huán)境保護的作用顯而易見,但是對于商業(yè)銀行的盈利能力產(chǎn)生的影響并不清晰明了,商業(yè)銀行較為關(guān)心的就是綠色信貸是否能夠為其帶來收益。本文以綠色信貸對商業(yè)銀行的盈利能力為研究對象,首先闡述了綠色信貸的基本原理和商業(yè)銀行有關(guān)綠色信貸在實際運行中的基本理論,然后對我國商業(yè)銀行綠色信貸的發(fā)展情況進行介紹,選取對商業(yè)銀行盈利能力產(chǎn)生影響的因素,搜尋數(shù)據(jù)并運用面板回歸模型進行實證分析,得出綠色信貸對商業(yè)銀行盈利能力的具體影響。最后,把我國商業(yè)銀行綠色信貸發(fā)展的實際情況和存在的問題與實證分析的結(jié)果相結(jié)合分析,找出問題的關(guān)鍵,針對商業(yè)銀行的盈利能力與綠色信貸的發(fā)展提出可行性建議。以期綠色信貸在保護環(huán)境的同時為商業(yè)銀行提供新的、可持續(xù)的利潤增長點,從而推動我國綠色經(jīng)濟發(fā)展,為我國生態(tài)文明建設(shè)做出貢獻。
[Abstract]:The extensive development of economy has rapidly accumulated a large amount of material wealth for the society. It is imperative and most effective in the period of material scarcity to make great contributions to the economic development of our country. But this energy-consuming, high-emission, high-pollution development has caused irreparable damage to ecosystems and natural environment. With the accumulation of social material wealth and the improvement of people's living standard, living environment has become a more concerned issue. The frequent occurrence of large-scale haze weather and the frequent occurrence of extreme weather make people yearn for clean air and beautiful environment. Therefore, the green economy of low energy consumption, low emission and low pollution has become the inevitable direction and trend of our country's development. Secondly, as the core of economic development, the banking industry, which plays a dominant role in capital, now faces many difficulties: the capital market grabs the bank's liquid capital, the interest margin profit loses the development space, and the traditional profit mode is obviously weak. Coupled with the high level of bad loans in banks, it has been widely recognized that the banking industry is now facing a difficult situation, so it is urgent to seek a new development model and profit growth point. Based on the above reasons, the green credit business of commercial banks emerges as the times require, and green credit is developed on the basis of "Equator principle". The equatorial principle is a common principle based on the recognition of corporate responsibility and social responsibility in the field of financial environment protection. Now green credit has become the direction of development advocated by commercial banks and the government. The effect of green credit on environmental protection is obvious, but the impact on the profitability of commercial banks is not clear. Commercial banks are more concerned about whether green credit can bring benefits to them. In this paper, the profitability of commercial banks is studied by green credit. Firstly, the basic principle of green credit and the basic theory of green credit in commercial banks are expounded. Then introduce the development of green credit of commercial banks in China, select the factors that affect the profitability of commercial banks, search the data and use panel regression model for empirical analysis. The concrete influence of green credit on commercial banks' profitability is obtained. Finally, combining the actual situation and existing problems of green credit development of commercial banks in China with the results of empirical analysis, we find out the key points of the problems, and put forward some feasible suggestions on the profitability of commercial banks and the development of green credit. In order to protect the environment and provide commercial banks with new and sustainable profit growth point, green credit can promote the development of China's green economy and contribute to the construction of ecological civilization in China.
【學(xué)位授予單位】：內(nèi)蒙古財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F832.33;F830.42

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