發(fā)布時(shí)間：2018-04-25 06:49

  本文選題：綠色信貸 + 商業(yè)銀行盈利能力�。� 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：改革開放以來，我國銀行業(yè)對(duì)外開放程度也日益加深，特別是在金融全球化進(jìn)程的迅猛發(fā)展的背景下，以更快的步伐逐漸步入健康有序的發(fā)展軌道。在日益激烈的競(jìng)爭(zhēng)環(huán)境中商業(yè)銀行的盈利能力成為中國銀行業(yè)和政府廣泛關(guān)注的焦點(diǎn)。但隨著經(jīng)濟(jì)發(fā)展速度的提高，，環(huán)境與經(jīng)濟(jì)發(fā)展之間的矛盾亦開始逐步顯現(xiàn)，綠色信貸機(jī)制便應(yīng)時(shí)而生，本文便注重分析“綠色信貸”這樣一個(gè)啟動(dòng)可持續(xù)經(jīng)濟(jì)的有效工具，以期對(duì)商業(yè)銀行盈利產(chǎn)生良好作用，進(jìn)而對(duì)實(shí)現(xiàn)我國綠色經(jīng)濟(jì)發(fā)展有所幫助。 本文在對(duì)商業(yè)銀行盈利能力決定因素和綠色信貸進(jìn)行文獻(xiàn)綜述的基礎(chǔ)上，首先界定商業(yè)銀行盈利能力的概念。其次，從理論角度，剖析了影響中國商業(yè)銀行創(chuàng)收的內(nèi)外在要素。通過理論分析結(jié)果建立實(shí)證模型，選取2008年-2012年5年期間13家銀行的數(shù)據(jù)作為分析樣本，運(yùn)用個(gè)體固定效應(yīng)模型進(jìn)行回歸分析。 通過本文的分析，數(shù)據(jù)顯示，綠色信貸與商業(yè)銀行贏利具有顯著的負(fù)相關(guān)關(guān)系，這與理論分析的結(jié)果大相徑庭，因此如何轉(zhuǎn)變這種短期困境，增加綠色信貸的貢獻(xiàn)，解決綠色信貸在發(fā)展中的問題，進(jìn)而發(fā)展成長遠(yuǎn)利益，是我們現(xiàn)階段最大的任務(wù)。最后本文從五個(gè)出發(fā)點(diǎn)來剖析綠色貸款在我國商業(yè)銀行業(yè)發(fā)展中存在的問題，并給出相應(yīng)的政策建議。我們相信隨著政府相關(guān)政策的出臺(tái)、法律法規(guī)的完善，綠色信貸對(duì)我國商業(yè)銀行盈利能力的影響會(huì)越來越明顯，以促進(jìn)我國經(jīng)濟(jì)增長方式的轉(zhuǎn)變和經(jīng)濟(jì)結(jié)構(gòu)的調(diào)整。
[Abstract]:Since the reform and opening to the outside world, the banking industry of our country has become more and more open to the outside world, especially in the context of the rapid development of the financial globalization process, and gradually stepped into a healthy and orderly development track at a faster pace. In the increasingly competitive environment, the profitability of commercial banks has become the focus of Chinese banks and the government. However, with the improvement of economic development speed, the contradiction between environment and economic development begins to appear gradually, and the green credit mechanism comes into being. This paper focuses on the analysis of "green credit", which is an effective tool to start a sustainable economy. With a view to commercial banks profit has a good role, and then to achieve the development of green economy in China. Based on the literature review of the determinants of commercial banks' profitability and green credit, this paper first defines the concept of commercial banks' profitability. Secondly, from the theoretical point of view, analyzes the internal and external factors that affect the income generation of Chinese commercial banks. The empirical model is established through the theoretical analysis results. The data of 13 banks from 2008 to 2012 are selected as the analysis samples, and the individual fixed effect model is used to carry out regression analysis. Through the analysis of this paper, the data show that green credit has a significant negative correlation with commercial bank profits, which is different from the results of theoretical analysis. Therefore, how to change this short-term dilemma and increase the contribution of green credit, It is our biggest task to solve the problem of green credit in development and develop into long-term benefits. Finally, this paper analyzes the problems of green loan in the development of commercial banking in China from five starting points, and gives the corresponding policy recommendations. We believe that with the introduction of relevant government policies and the perfection of laws and regulations, the influence of green credit on the profitability of commercial banks in China will become more and more obvious, in order to promote the transformation of economic growth mode and the adjustment of economic structure in China.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 翁清云;劉麗巍;;我國商業(yè)銀行碳金融實(shí)踐的現(xiàn)狀評(píng)價(jià)與發(fā)展對(duì)策[J];金融論壇;2010年S1期

2 曹洪軍;陳好孟;;不確定環(huán)境下我國綠色信貸交易行為的博弈分析[J];金融理論與實(shí)踐;2010年02期

3 郭文偉;陳妍玲;;雙重資本約束下我國商業(yè)銀行的盈利能力分析[J];金融與經(jīng)濟(jì);2011年05期

4 楊濤;程煉;;碳金融在中國發(fā)展的興業(yè)銀行案例研究[J];上海金融;2010年08期

5 周方圓;盧靜;;降息效應(yīng)對(duì)商業(yè)銀行盈利能力影響的分析[J];商業(yè)會(huì)計(jì);2012年22期

本文編號(hào)：1800213