本文選題：商業(yè)銀行 + 綠色信貸��； 參考：《湖南科技大學(xué)》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(yīng)運(yùn)而生。綠色金融是指為了人類(lèi)、經(jīng)濟(jì)與自然的協(xié)調(diào)發(fā)展，在政策、輿論導(dǎo)向上向環(huán)保產(chǎn)業(yè)和綠色經(jīng)濟(jì)傾斜的經(jīng)濟(jì)概念。具體到銀行業(yè)，通過(guò)信貸的方式來(lái)引導(dǎo)企業(yè)環(huán)保型項(xiàng)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(xiàng)目與環(huán)境保護(hù)之間尋找到交叉領(lǐng)域，使其相互促進(jìn)，互利共贏。如何實(shí)現(xiàn)資金和項(xiàng)目的相互匹配，形成了經(jīng)濟(jì)學(xué)上的雙向匹配理論。研究銀行與企業(yè)之間、資金與項(xiàng)目之間穩(wěn)定的雙邊綠色信貸匹配機(jī)制，，具有一定的理論和現(xiàn)實(shí)意義。 本文從綠色信貸的基本概念著手，綜述了國(guó)內(nèi)外關(guān)于綠色信貸的相關(guān)研究進(jìn)展，包括綠色信貸的基本內(nèi)涵以及相關(guān)政策，通過(guò)分析綠色信貸與可持續(xù)發(fā)展、與銀行提高自身業(yè)績(jī)、與保障投資安全以及與國(guó)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(duì)雙邊匹配理論及其雙邊多對(duì)一模型進(jìn)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(hù)三方匹配合作得到的最大效益，同時(shí)通過(guò)這個(gè)最大效益與銀行貸款之間的關(guān)系得出匹配價(jià)值，并給出理論上的最佳解決方案。 根據(jù)匹配模型對(duì)湖南省銀行與企業(yè)之間進(jìn)行實(shí)例應(yīng)用分析，得出其匹配價(jià)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(jī)制的政策建議，同時(shí)對(duì)綠色信貸政策提出自己的看法和體會(huì)。
[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(xué)位授予單位】：湖南科技大學(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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