本文關鍵詞：低碳經濟下我國構建綠色信貸機制的思考　出處：《吉林財經大學》2012年碩士論文　論文類型：學位論文

  更多相關文章： 低碳經濟 綠色信貸 商業(yè)銀行 可持續(xù)發(fā)展 博弈

【摘要】：在經濟增長和人類社會快速發(fā)展的同時，全球氣候和環(huán)境問題日益成為世界關注的焦點，發(fā)展低碳經濟逐漸成為國際主流價值觀。低碳經濟的培育和發(fā)展離不開政府、金融、技術這三方面的支持，而在金融這個要素中，綠色信貸具有至關重要的作用。正確處理金融業(yè)與可持續(xù)發(fā)展的關系即為綠色信貸的本質。綠色信貸不僅是保護環(huán)境、治理污染的重要經濟手段，同時也是銀行業(yè)在21世紀發(fā)展的必然趨勢。在當前中國以間接融資為主的融資結構下，銀行信貸占據主導地位，綠色信貸對低碳經濟的支持作用至關重要。但是，，目前我國各家銀行在開展綠色信貸實踐的過程中還存在著許多問題亟需解決。在此背景下，研究我國如何構建綠色信貸機制、如何以綠色信貸促低碳經濟發(fā)展是迫在眉睫的重要問題。 本文首先概括介紹了低碳經濟和綠色信貸的相關內容，指出發(fā)展綠色信貸的重要意義；其次，用博弈論模型來分析我國綠色信貸參與主體的行為特征和策略選擇，找到目前我國在實施綠色信貸過程中的困難之處，力圖為構建我國綠色信貸機制提供理論支撐；再次，對比分析了國外和國內商業(yè)銀行在綠色信貸方面的實踐，總結了發(fā)達國家綠色信貸經驗對我們的啟示。同時深入分析了我國銀行在發(fā)展綠色信貸業(yè)務過程中存在的問題，如法律政策不完善、缺乏有效的綠色信貸責任與激勵機制、商業(yè)銀行的經營目標與社會責任之間存在矛盾、環(huán)保信息溝通機制不健全、人才缺乏等；最后，從政府、商業(yè)銀行、政策性銀行三個角度提出了構建綠色信貸機制的相應對策和建議。
[Abstract]:At the same time of economic growth and rapid development of human society, global climate and environmental issues are increasingly becoming the focus of the world. The development of low-carbon economy has gradually become the mainstream international values. The cultivation and development of low-carbon economy can not be separated from the support of government, finance and technology, and in the element of finance. Green credit plays an important role. Correctly handling the relationship between finance and sustainable development is the essence of green credit. Green credit is not only an important economic means to protect the environment and control pollution. At the same time, it is also the inevitable trend of banking development in 21th century. Under the current financing structure of indirect financing in China, bank credit plays a leading role. Green credit plays an important role in supporting low-carbon economy. However, there are still many problems that need to be solved in the process of carrying out green credit practice. It is an urgent and important problem to study how to construct green credit mechanism and how to promote the development of low carbon economy with green credit. Firstly, this paper introduces the related contents of low-carbon economy and green credit, and points out the significance of developing green credit. Secondly, using the game theory model to analyze the behavior characteristics and strategic choice of green credit participants in China, to find out the difficulties in the implementation of green credit in our country. To provide theoretical support for the construction of China's green credit mechanism; Third, the comparative analysis of foreign and domestic commercial banks in green credit practice. This paper summarizes the experience of green credit in developed countries and analyzes the problems existing in the development of green credit business, such as imperfect laws and policies. Lack of effective green credit responsibility and incentive mechanism, commercial bank business objectives and social responsibility between the contradictions, environmental information communication mechanism is not perfect, lack of talent; Finally, from the government, commercial banks and policy banks, the corresponding countermeasures and suggestions to construct green credit mechanism are put forward.
【學位授予單位】：吉林財經大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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相關期刊論文 前10條

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本文編號：1423133