本文選題：綠色金融　切入點：綠色信貸　出處：《浙江工業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：可持續(xù)發(fā)展(Sustainable development)理念己成為全球共識,中國“十八大”提出的“綠色發(fā)展、循環(huán)發(fā)展、低碳發(fā)展”體現(xiàn)了可持續(xù)發(fā)展的內(nèi)涵�，F(xiàn)代金融業(yè)也在探索如何推進經(jīng)濟社會可持續(xù)發(fā)展,綠色金融興起表明了人類可以擺脫傳統(tǒng)工業(yè)化過程的生態(tài)環(huán)境困境,促進產(chǎn)業(yè)轉(zhuǎn)型升級。近20年以來,國內(nèi)外商銀行都在探索和實踐綠色信貸方式、出臺綠色信貸政策、優(yōu)化信貸結(jié)構(gòu)、承擔環(huán)境和社會責任,支持綠色經(jīng)濟發(fā)展。因此,研究綠色信貸問題不僅具有理論價值,也有現(xiàn)實意義。 本文主要以可持續(xù)發(fā)展理念和綠色金融的視角出發(fā),從四個方面研究和探索綠色金融工具—“綠色信貸”問題。一是從傳統(tǒng)金融的特點入手,分析傳統(tǒng)金融具有的逐利性特點,推進經(jīng)濟增長中并不考慮生態(tài)環(huán)境和社會責任問題,隨著可持續(xù)發(fā)展理念的提出,發(fā)達國家率先進行傳統(tǒng)金融向綠色金融的轉(zhuǎn)變,國際上的黃金標桿“赤道原則”表明國外金融機構(gòu)對綠色金融的實踐。二是從綠色信貸的概念出發(fā),通過與傳統(tǒng)信貸局限性的對比,強調(diào)積極推動綠色信貸的意義,突出綠色信貸在對我國產(chǎn)業(yè)結(jié)構(gòu)調(diào)整,戰(zhàn)略新興產(chǎn)業(yè)推動,節(jié)能減排技術推廣等方面的作用,重點加入了合同能源管理的機制,通過案例闡述綠色信貸對合同能源管理項目的支持。三是分析國內(nèi)外綠色信貸的發(fā)展特點和趨勢,借鑒國外綠色信貸發(fā)展的成功經(jīng)驗,推動我國綠色信貸相關政策的制定,為我國經(jīng)濟轉(zhuǎn)型注入活力。同時,闡述了綠色信貸的評價體系,包括環(huán)境評價,能耗評價,生產(chǎn)安全評價,突出綠色信貸評價體系的重要性和實用性。四是對綠色信貸發(fā)展面臨的問題和挑戰(zhàn)做了一定的思考與分析,提出綠色信貸面臨的一系列問題,包括風險問題,社會責任等問題,并對這些問題提出方案,解決好相關利益者的沖突,使得推進綠色信貸的過程中合理平衡經(jīng)濟與環(huán)境的關系,積極推進我國綠色信貸的發(fā)展。
[Abstract]:The concept of sustainable development has become a global consensus. China's "18" put forward the "green development, recycling development," Low-carbon development "embodies the connotation of sustainable development. Modern financial industry is also exploring how to promote sustainable economic and social development. The rise of green finance shows that human beings can get rid of the ecological and environmental dilemma in the process of traditional industrialization." Promoting industrial transformation and upgrading. In the past 20 years, domestic and foreign commercial banks have been exploring and practicing green credit methods, introducing green credit policies, optimizing credit structures, assuming environmental and social responsibilities, and supporting the development of green economy. The study of green credit not only has theoretical value, but also has practical significance. Based on the concept of sustainable development and the perspective of green finance, this paper studies and explores the green financial instruments-Green Credit from four aspects. First, it analyzes the profit-seeking characteristics of traditional finance, starting with the characteristics of traditional finance. In promoting economic growth, ecological environment and social responsibility are not considered. With the concept of sustainable development, developed countries take the lead in the transformation from traditional finance to green finance. The international gold benchmark "Equator principle" shows the practice of foreign financial institutions in green finance. Second, from the concept of green credit and by contrasting with the limitation of traditional credit, it emphasizes the significance of actively promoting green credit. Highlighting the role of green credit in the adjustment of China's industrial structure, the promotion of strategic emerging industries, the promotion of energy-saving and emission reduction technologies, and the emphasis on joining the mechanism of contract energy management, The third is to analyze the development characteristics and trends of green credit at home and abroad, to draw lessons from the successful experience of foreign green credit development, and to promote the formulation of green credit policies in China. At the same time, it expounds the evaluation system of green credit, including environmental evaluation, energy consumption evaluation, production safety evaluation, The importance and practicability of green credit evaluation system are highlighted. Fourthly, the problems and challenges facing the development of green credit are considered and analyzed, and a series of problems faced by green credit are put forward, including risk, social responsibility and so on. In order to balance the relationship between economy and environment in the process of promoting green credit and actively promote the development of green credit in China, this paper puts forward some proposals to solve the conflicts of the relevant stakeholders in order to balance the relationship between economy and environment in the process of promoting green credit.
【學位授予單位】：浙江工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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