本文選題：綠色信貸　切入點：商業(yè)銀行　出處：《山西財經(jīng)大學》2017年碩士論文

【摘要】：環(huán)境問題目前已成為我國備受關(guān)注的焦點問題,隨著生態(tài)文明建設(shè)和可持續(xù)發(fā)展列入國策,我國正在全行業(yè)實行綠色發(fā)展。綠色信貸作為商業(yè)銀行綠色金融的重要組成部分,在近年來成為商業(yè)銀行發(fā)展的重點。本文受到巴黎氣候大會的啟發(fā),力求通過對中外商業(yè)銀行綠色信貸發(fā)展的對比研究,尋找我國商業(yè)銀行綠色信貸發(fā)展的問題,并提出商業(yè)銀行發(fā)展綠色信貸的合理路徑,使今后發(fā)展與可持續(xù)發(fā)展政策實施相匹配,在對環(huán)境增加正外部性的同時對銀行自身發(fā)展提供有利條件。本文首先對國內(nèi)外綠色信貸的研究進行綜合述評,并對其進行梳理,結(jié)合相關(guān)的理論模型,對國內(nèi)外綠色信貸需要考察的幾方面進行現(xiàn)狀說明,如環(huán)境信息披露方面、總體架構(gòu)建設(shè)方面、政策措施制定與實施等方面。其次本文通過對國內(nèi)外綠色信貸發(fā)展現(xiàn)狀的對比研究,對國內(nèi)商業(yè)銀行綠色信貸的優(yōu)勢和問題進行分析,發(fā)現(xiàn)我國商業(yè)銀行在總體框架和政策的制定方面有較好的表現(xiàn),但在環(huán)境信息披露和綠色信貸政策實施方面仍然需要提升,其中表現(xiàn)為環(huán)境信息公布不全面、環(huán)境信息公布約束機制不健全、綠色信貸缺乏統(tǒng)一標準;只有個別商業(yè)銀行采納赤道原則,使得赤道原則的覆蓋面較少。最后本文對我國商業(yè)銀行如何優(yōu)化綠色信貸發(fā)展提出合理的對策建議,包括對綠色信貸有關(guān)政策規(guī)章制度的制定、綠色信貸內(nèi)部實踐機制建設(shè),達到促進可持續(xù)發(fā)展的效果。
[Abstract]:Environmental problems have become the focus of our country's attention. With the construction of ecological civilization and sustainable development being included in the national policy, China is implementing green development in the whole industry. Green credit is an important part of green finance of commercial banks. In recent years, it has become the focus of the development of commercial banks. Inspired by the Paris Climate Conference, this paper tries to find out the problems of the development of green credit of commercial banks in China through the comparative study of the development of green credit in Chinese and foreign commercial banks. It also puts forward a reasonable way for commercial banks to develop green credit so as to match the future development with the implementation of sustainable development policies. At the same time, it provides favorable conditions for the development of banks. Firstly, this paper reviews the research on green credit at home and abroad, and combs it, combining with relevant theoretical models. The current situation of green credit needs at home and abroad is explained, such as environmental information disclosure, overall framework construction, Secondly, this paper analyzes the advantages and problems of green credit of domestic commercial banks through the comparative study of the current situation of the development of green credit at home and abroad. It is found that commercial banks in China have better performance in the overall framework and policy formulation, but the environmental information disclosure and green credit policy implementation still need to be improved, among which the environmental information disclosure is not comprehensive. The environmental information disclosure constraint mechanism is not perfect, the green credit lacks the unified standard; only individual commercial banks adopt the equatorial principle, Finally, this paper puts forward reasonable countermeasures and suggestions on how to optimize the development of green credit, including the formulation of policies and regulations related to green credit, the construction of internal practice mechanism of green credit. To achieve the effect of promoting sustainable development.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4

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本文編號：1690630