本文選題：商業(yè)銀行 + 綠色信貸　； 參考：《安徽財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：為應(yīng)對(duì)日益嚴(yán)峻的環(huán)境問(wèn)題,我國(guó)提出了走資源節(jié)約型、環(huán)境友好型的綠色發(fā)展道路。在這樣的背景下,發(fā)展綠色信貸成為綠色發(fā)展道路上一項(xiàng)不可或缺的經(jīng)濟(jì)手段。雖然綠色信貸是題中之一,但是基于綠色信貸發(fā)展的特點(diǎn)以及現(xiàn)實(shí)執(zhí)行中出現(xiàn)的問(wèn)題和障礙,不難發(fā)現(xiàn)綠色信貸的發(fā)展需要外部的激勵(lì)。由于現(xiàn)行激勵(lì)措施不夠完善,影響著商業(yè)銀行發(fā)放綠色信貸的積極性和綠色信貸在我國(guó)的進(jìn)展程度。因此,研究綠色信貸激勵(lì)機(jī)制解決綠色信貸發(fā)展與銀行自身利益最大化的矛盾,促進(jìn)商業(yè)銀行積極發(fā)展綠色信貸,成為了本文的研究重點(diǎn)。 本文首先從綠色信貸激勵(lì)機(jī)制的相關(guān)理論入手；其次,對(duì)主要發(fā)達(dá)國(guó)家(美國(guó)、日本、德國(guó)、英國(guó))實(shí)施綠色信貸的主要激勵(lì)手段進(jìn)行歸納,對(duì)其特點(diǎn)和成功經(jīng)驗(yàn)進(jìn)行比較與總結(jié),進(jìn)而為我國(guó)綠色信貸激勵(lì)機(jī)制的完善提供有益的啟示；再次,在梳理有關(guān)綠色信貸政策的基礎(chǔ)上,重點(diǎn)圍繞激勵(lì)措施進(jìn)行分析并對(duì)其實(shí)施效果加以評(píng)價(jià)指出激勵(lì)措施的局限性,如相關(guān)法律法規(guī)的缺失、激勵(lì)監(jiān)管的缺失以及經(jīng)濟(jì)激勵(lì)的缺失等。在此基礎(chǔ)上,運(yùn)用錦標(biāo)機(jī)制模型和博弈論模型分別從經(jīng)濟(jì)措施和監(jiān)管措施兩個(gè)層面進(jìn)行激勵(lì)設(shè)計(jì),制訂出既符合社會(huì)效益又符合商業(yè)銀行利益的激勵(lì)措施,從正向和反向兩方面激勵(lì)商業(yè)銀行積極主動(dòng)的推行綠色信貸；最后,從完善配套的法律法規(guī)制度、健全的基礎(chǔ)性配套措施、建立配套的財(cái)稅補(bǔ)償機(jī)制以及有效的監(jiān)督管理機(jī)制四個(gè)方面給予完善商業(yè)銀行綠色信貸激勵(lì)機(jī)制的政策建議。
[Abstract]:In order to deal with the increasingly severe environmental problems, our country put forward the green development road of resource saving and environment friendly. In this context, the development of green credit has become an indispensable economic means on the road of green development. Although green credit is one of the problems, it is easy to find that the development of green credit needs external incentives based on the characteristics of the development of green credit and the problems and obstacles in the actual implementation. Because the current incentive measures are not perfect, it affects the enthusiasm of commercial banks to extend green credit and the progress of green credit in our country. Therefore, the study of green credit incentive mechanism to solve the contradiction between the development of green credit and the maximization of banks' own interests, and to promote the commercial banks to actively develop green credit, has become the focus of this paper. This paper begins with the relevant theories of green credit incentive mechanism. Secondly, it summarizes the main incentives of green credit in the main developed countries (USA, Japan, Germany, Britain). Compare and summarize its characteristics and successful experiences, and then provide useful inspiration for the improvement of green credit incentive mechanism in China. Thirdly, on the basis of combing the green credit policy, Focusing on the analysis and evaluation of the effect of incentive measures, this paper points out the limitations of incentive measures, such as the lack of relevant laws and regulations, the lack of incentive regulation and the lack of economic incentives. On the basis of this, the incentive design from two aspects of economic measures and supervision measures is carried out by using the model of championship mechanism and game theory, and the incentive measures, which are not only in line with the social benefits but also with the interests of commercial banks, are worked out. Encouraging commercial banks to proactively implement green credit from both positive and reverse aspects. Finally, from perfecting the supporting laws and regulations system and perfecting the basic supporting measures, The establishment of supporting fiscal and tax compensation mechanism and effective supervision and management mechanism to improve the green credit incentive mechanism of commercial banks policy recommendations.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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本文編號(hào)：2065105