本文選題：商業(yè)銀行 + 綠色信貸��； 參考：《湖南科技大學》2014年碩士論文

【摘要】：隨著可持續(xù)發(fā)展觀念深入人心，綠色金融的概念應運而生。綠色金融是指為了人類、經(jīng)濟與自然的協(xié)調(diào)發(fā)展，在政策、輿論導向上向環(huán)保產(chǎn)業(yè)和綠色經(jīng)濟傾斜的經(jīng)濟概念。具體到銀行業(yè)，通過信貸的方式來引導企業(yè)環(huán)保型項目的發(fā)展，即為綠色信貸。綠色信貸的首要任務(wù)，是在銀行投資、商業(yè)項目與環(huán)境保護之間尋找到交叉領(lǐng)域，使其相互促進，互利共贏。如何實現(xiàn)資金和項目的相互匹配，形成了經(jīng)濟學上的雙向匹配理論。研究銀行與企業(yè)之間、資金與項目之間穩(wěn)定的雙邊綠色信貸匹配機制，，具有一定的理論和現(xiàn)實意義。 本文從綠色信貸的基本概念著手，綜述了國內(nèi)外關(guān)于綠色信貸的相關(guān)研究進展，包括綠色信貸的基本內(nèi)涵以及相關(guān)政策，通過分析綠色信貸與可持續(xù)發(fā)展、與銀行提高自身業(yè)績、與保障投資安全以及與國家調(diào)整發(fā)展模式的內(nèi)在聯(lián)系，論述了發(fā)展綠色信貸業(yè)務(wù)的客觀條件和主要需求。對雙邊匹配理論及其雙邊多對一模型進行了介紹，構(gòu)建銀行與企業(yè)之間的雙邊匹配模型，用Shapley值法找到銀行、企業(yè)和環(huán)境保護三方匹配合作得到的最大效益，同時通過這個最大效益與銀行貸款之間的關(guān)系得出匹配價值，并給出理論上的最佳解決方案。 根據(jù)匹配模型對湖南省銀行與企業(yè)之間進行實例應用分析，得出其匹配價值，然后確定企業(yè)與銀行匹配的最終結(jié)果�？偨Y(jié)分析結(jié)果，提出綠色信貸匹配機制的政策建議，同時對綠色信貸政策提出自己的看法和體會。
[Abstract]:With the concept of sustainable development deeply rooted in the hearts of the people, the concept of green finance emerged as the times require. Green finance is an economic concept that is inclined to the environmental protection industry and green economy in the direction of policy and public opinion for the sake of the coordinated development of human, economy and nature. Specific to the banking industry, through the way of credit to guide the development of environmental protection projects, that is, green credit. The first task of green credit is to find the intersection between bank investment, commercial projects and environmental protection, to promote each other, mutual benefit and win-win. How to realize the mutual matching of funds and projects has formed the two-way matching theory in economics. It is of theoretical and practical significance to study the bilateral green credit matching mechanism between banks and enterprises and between funds and projects. This paper begins with the basic concept of green credit, summarizes the related research progress of green credit at home and abroad, including the basic connotation of green credit and related policies, through the analysis of green credit and sustainable development. This paper discusses the objective conditions and main requirements for the development of green credit business, which are related to the banks' improvement of their own performance, to the protection of investment safety and to the adjustment of the development mode of the state. This paper introduces the bilateral matching theory and its two-sided multi-to-one model, constructs the two-sided matching model between banks and enterprises, and finds out the maximum benefit of the tripartite matching cooperation among banks, enterprises and environmental protection by using Shapley value method. At the same time, through the relationship between the maximum benefit and the bank loan, the matching value is obtained, and the best solution in theory is given. According to the matching model, the paper analyzes the application of the matching model between the banks and enterprises in Hunan Province, obtains the matching value, and then determines the final results of the matching between the enterprises and the banks. This paper summarizes the results of the analysis, puts forward some policy suggestions on the matching mechanism of green credit, and puts forward its own views and experiences on the green credit policy at the same time.
【學位授予單位】：湖南科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

【參考文獻】

相關(guān)期刊論文 前10條

1 唐斌;趙潔;;銀行的社會責任和可持續(xù)金融模式——從能效融資得到的啟示[J];銀行家;2008年01期

2 鐘田麗,荊立晶;中小企業(yè)融資市場失靈的原因及對策[J];財經(jīng)問題研究;2003年02期

3 陳衛(wèi)星;荊新;;商業(yè)銀行社會責任研究[J];財會月刊;2007年08期

4 陳軾;;商業(yè)銀行的社會責任與可持續(xù)發(fā)展[J];福建金融;2007年12期

5 郭田勇;中小企業(yè)融資的國際比較與借鑒[J];國際金融研究;2003年11期

6 張長龍;;金融機構(gòu)的企業(yè)社會責任基準:赤道原則[J];國際金融研究;2006年06期

7 于飛;;淺談“綠色信貸”與環(huán)境風險管理[J];經(jīng)營管理者;2008年09期

8 國務(wù)院發(fā)展研究中心、中國農(nóng)村勞動力資源開發(fā)研究會聯(lián)合課題組;建立支持國家生態(tài)建設(shè)的長期投融資機制[J];經(jīng)濟研究參考;2005年10期

9 陳雁;;商業(yè)銀行踐行社會責任的國際借鑒[J];經(jīng)濟與管理;2008年06期

10 胡海鷗;論多存多貸的改革意義及深化要求[J];經(jīng)濟問題;1996年05期

相關(guān)博士學位論文 前1條

1 陳好孟;基于環(huán)境保護的我國綠色信貸制度研究[D];中國海洋大學;2010年

本文編號：1813460