本文選題：綠色信貸　切入點(diǎn)：商業(yè)銀行　出處：《湖南大學(xué)》2014年碩士論文

【摘要】：隨著我國(guó)GDP的高速增長(zhǎng)，帶來(lái)了嚴(yán)重的環(huán)境問(wèn)題。作為整個(gè)國(guó)民經(jīng)濟(jì)的紐帶，商業(yè)銀行要實(shí)現(xiàn)可持續(xù)發(fā)展，必與社會(huì)環(huán)境問(wèn)題息息相關(guān)。以“綠色信貸”為主題的銀行業(yè)創(chuàng)新成為一種新的趨勢(shì)，綠色信貸與商業(yè)銀行可持續(xù)發(fā)展之間的相關(guān)關(guān)系，成為了相關(guān)政策能否落到實(shí)處的關(guān)鍵。 本文通過(guò)對(duì)商業(yè)銀行可持續(xù)發(fā)展路徑的分析，綜合國(guó)內(nèi)外學(xué)者已有的研究成果，，通過(guò)理論博弈分析和數(shù)據(jù)實(shí)證分析，分別探究綠色信貸與商業(yè)銀行可持續(xù)發(fā)展之間的關(guān)系。首先，建立商業(yè)銀行和企業(yè)、銀行和銀行之間實(shí)施綠色信貸的兩個(gè)博弈模型，得出了只有商業(yè)銀行都實(shí)施綠色信貸政策才能達(dá)到帕累托最優(yōu)解，從而從理論上證明了實(shí)施綠色信貸與實(shí)現(xiàn)商業(yè)銀行可持續(xù)發(fā)展之間存在正相關(guān)的關(guān)系。然后，在前人研究的基礎(chǔ)之上，提出商業(yè)銀行的可持續(xù)發(fā)展主要由時(shí)代特征影響下的可持續(xù)發(fā)展和商業(yè)銀行效率影響下的可持續(xù)兩個(gè)維度構(gòu)成。其中時(shí)代特征影響下的可持續(xù)主要是指商業(yè)銀行的綠色信貸比和媒體對(duì)商業(yè)銀行實(shí)施綠色信貸的報(bào)道，這兩個(gè)子指標(biāo)充分體現(xiàn)了商業(yè)銀行實(shí)施綠色信貸的水平。再利用表示銀行效率的成本收入比、資產(chǎn)負(fù)債率、不良貸款率、非利息收入增長(zhǎng)率、單位收入投資損益率、總資產(chǎn)收益率（ROA）六個(gè)控制變量指標(biāo)，依據(jù)一定的指標(biāo)構(gòu)建原則，構(gòu)建了綠色信貸與商業(yè)銀行可持續(xù)發(fā)展關(guān)系模型。運(yùn)用16家上市商業(yè)銀行，2010~2014年的數(shù)據(jù)共512個(gè)觀測(cè)值對(duì)綠色信貸與商業(yè)銀行可持續(xù)發(fā)展相關(guān)關(guān)系，進(jìn)行了綜合分析，從而得出了：（1）綠色信貸與商業(yè)銀行可持續(xù)發(fā)展之間存在顯著正相關(guān)關(guān)系；（2）隨著時(shí)間的推移，其相關(guān)關(guān)系呈現(xiàn)出不斷加強(qiáng)的趨勢(shì)；（3）提高綠色信貸比更有助于商業(yè)銀行實(shí)現(xiàn)可持續(xù)發(fā)展。
[Abstract]:With the rapid growth of GDP in China, it brings serious environmental problems.As the link of the whole national economy, commercial banks must be closely related to social environmental problems if they want to achieve sustainable development.The innovation of the banking industry with the theme of "green credit" has become a new trend. The relationship between green credit and the sustainable development of commercial banks has become the key to the implementation of relevant policies.By analyzing the sustainable development path of commercial banks and synthesizing the existing research results of domestic and foreign scholars, this paper explores the relationship between green credit and sustainable development of commercial banks through theoretical game analysis and data empirical analysis.First of all, two game models of green credit between commercial banks and enterprises, banks and banks are established, and the Pareto optimal solution is obtained only when commercial banks implement green credit policies.It is proved theoretically that there is a positive correlation between the implementation of green credit and the realization of the sustainable development of commercial banks.Then, on the basis of previous studies, it is proposed that the sustainable development of commercial banks is mainly composed of two dimensions: sustainable development under the influence of the characteristics of the times and sustainability under the influence of the efficiency of commercial banks.The sustainability under the influence of the characteristics of the times mainly refers to the green credit ratio of commercial banks and the reports of the media on the implementation of green credit in commercial banks. These two sub-indicators fully reflect the level of green credit implemented by commercial banks.Then using the six control variable indicators, which indicate the efficiency of the bank, such as cost-income ratio, asset-liability ratio, non-performing loan ratio, non-interest income growth rate, unit income investment profit and loss ratio, total asset return rate and so on, the principle of construction is established according to certain indexes.The relationship model between green credit and sustainable development of commercial banks is constructed.Based on the data of 16 listed commercial banks from 2010 to 2014, 512 observations are used to analyze the relationship between green credit and sustainable development of commercial banks.Thus, it is concluded that there is a significant positive correlation between green credit and the sustainable development of commercial banks. (2) with the passage of time, there is a significant positive correlation between green credit and the sustainable development of commercial banks.The related relationship shows a trend of strengthening continuously) improving the green credit ratio is more helpful to the commercial banks to realize the sustainable development.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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