本文選題：商業(yè)銀行　切入點：綠色信貸　出處：《福建師范大學》2014年碩士論文　論文類型：學位論文

【摘要】：長久以來,我國以資源過度開采、能源過度消耗來換取社會經(jīng)濟的快速發(fā)展,導致各類生態(tài)問題頻發(fā),自然環(huán)境日益惡化。目前,我國經(jīng)濟發(fā)展的首要任務(wù)是加快經(jīng)濟發(fā)展方式轉(zhuǎn)變,促進經(jīng)濟結(jié)構(gòu)轉(zhuǎn)型和升級。政府提出要綜合利用法律法規(guī)、經(jīng)濟政策和先進技術(shù)盡快解決環(huán)境污染問題。綠色信貸作為環(huán)境治理經(jīng)濟政策的重要代表,是限制“兩高一�！毙袠I(yè),推動企業(yè)節(jié)能減排,促進經(jīng)濟結(jié)構(gòu)轉(zhuǎn)型升級的有效措施。 隨著市場經(jīng)濟不斷發(fā)展完善,金融業(yè)在經(jīng)濟社會中的地位越發(fā)重要。商業(yè)銀行作為市場資金融通的中介,通過控制資金的流向,可以影響接受其服務(wù)的企業(yè)的行為。商業(yè)銀行在其金融服務(wù)中融入環(huán)保要求,可以起到引導企業(yè)履行環(huán)保社會責任的效果。當前,政府在環(huán)境保護方面加大整治力度,不斷完善各類法律法規(guī)、經(jīng)濟政策,從銀行自身經(jīng)營角度來看,環(huán)境風險已經(jīng)成為商業(yè)銀行信貸業(yè)務(wù)中的重要風險之一。如何減少信貸資金投向高污染、高能耗、潛在環(huán)境風險客戶,以降低銀行本身的環(huán)境風險,是當前商業(yè)銀行面臨的重大難題。 本文以商業(yè)銀行綠色信貸環(huán)境風險管理作為研究對象,闡釋了商業(yè)銀行實施綠色信貸環(huán)境風險管理的必要性,分析了國內(nèi)商業(yè)銀行綠色信貸環(huán)境風險管理的實施情況及存在的問題,學習借鑒發(fā)達國家商業(yè)銀行環(huán)境風險管理的先進經(jīng)驗,結(jié)合我國的現(xiàn)實國情,提出了提升我國商業(yè)銀行發(fā)展綠色信貸環(huán)境風險管理水平的思路與對策。
[Abstract]:For a long time, our country has exchanged over exploitation of resources and excessive consumption of energy for the rapid development of social economy, which has led to frequent ecological problems and worsening of the natural environment. The primary task of China's economic development is to speed up the transformation of the mode of economic development and to promote the transformation and upgrading of the economic structure. The government has proposed to make comprehensive use of laws and regulations. As an important representative of environmental governance economic policy, green credit is an effective measure to limit "two high and one surplus" industries, to promote energy saving and emission reduction of enterprises, and to promote economic structural transformation and upgrading. With the continuous development and perfection of the market economy, the position of the financial industry in the economic society has become more and more important. As the intermediary of market capital financing, commercial banks control the flow of funds. Commercial banks can incorporate environmental protection requirements into their financial services, which can have the effect of guiding enterprises to fulfill their social responsibility for environmental protection. At present, the government has stepped up efforts to improve environmental protection. From the perspective of banks' own operation, environmental risk has become one of the important risks in the credit business of commercial banks. How to reduce the investment of credit funds into high pollution and high energy consumption, Potential environmental risk customers in order to reduce the environmental risk of the bank itself is a major problem facing commercial banks. This article takes the commercial bank green credit environment risk management as the research object, explained the commercial bank carries out the green credit environment risk management necessity, This paper analyzes the implementation and existing problems of green credit environmental risk management in domestic commercial banks, learns to learn from the advanced experience of environmental risk management of commercial banks in developed countries, and combines the actual situation of our country. This paper puts forward some ideas and countermeasures to improve the level of risk management of green credit environment in Chinese commercial banks.
【學位授予單位】：福建師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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本文編號：1645191