本文選題：商業(yè)銀行 + 綠色信貸　； 參考：《華北電力大學(xué)(北京)》2016年碩士論文

【摘要】：自上世紀(jì)八十年代我國(guó)實(shí)行改革開放以后,我國(guó)經(jīng)濟(jì)發(fā)展取得了舉世矚目的成就。在經(jīng)濟(jì)增長(zhǎng)的同時(shí)我們還需要看到的是過去以資源消耗換取經(jīng)濟(jì)發(fā)展的模式,引發(fā)了當(dāng)前我國(guó)的產(chǎn)業(yè)結(jié)構(gòu)不夠合理。相關(guān)產(chǎn)業(yè)引導(dǎo)及環(huán)境保護(hù)政策法律還存在欠缺,需要進(jìn)一步優(yōu)化,這些問題的存在導(dǎo)致在經(jīng)濟(jì)高速發(fā)展的同時(shí)給環(huán)境帶來了巨大壓力。粗放型的經(jīng)濟(jì)發(fā)展模式并不是長(zhǎng)久之計(jì),因此,在追求經(jīng)濟(jì)快速增長(zhǎng)的同時(shí),還需要為子孫后代負(fù)責(zé),即走可持續(xù)發(fā)展經(jīng)濟(jì)道路。經(jīng)濟(jì)發(fā)展模式的轉(zhuǎn)變必然會(huì)帶來產(chǎn)業(yè)的轉(zhuǎn)型和優(yōu)化,需要企業(yè)對(duì)環(huán)保設(shè)施進(jìn)行升級(jí)換代,企業(yè)在生產(chǎn)過程中需要實(shí)現(xiàn)高效節(jié)能、節(jié)能減排的目的,從而實(shí)現(xiàn)向綠色經(jīng)濟(jì)的轉(zhuǎn)型。國(guó)際金融行業(yè)在2003年就開始倡導(dǎo)執(zhí)行赤道原則,即以可持續(xù)發(fā)展為宗旨的經(jīng)濟(jì)原則,我國(guó)也在2007年開始重點(diǎn)對(duì)綠色信貸體系開始重點(diǎn)建設(shè),通過金融行業(yè)為綠色經(jīng)濟(jì)的發(fā)展提供了信貸支持,并出臺(tái)了一系列關(guān)于綠色信貸的文件,希望對(duì)我國(guó)綠色信貸的發(fā)展提供指導(dǎo),對(duì)我國(guó)經(jīng)濟(jì)的可持續(xù)發(fā)展和產(chǎn)業(yè)優(yōu)化起到促進(jìn)作用。對(duì)于商業(yè)銀行來說,綠色信貸的風(fēng)險(xiǎn)管理有別于傳統(tǒng)信貸的風(fēng)險(xiǎn)管理,是個(gè)技術(shù)性要求較高的領(lǐng)域。本文闡述綠色信貸的系統(tǒng)概念并結(jié)合商業(yè)銀行信貸風(fēng)險(xiǎn)管理的理論,通過比較分析國(guó)內(nèi)主要商業(yè)銀行開展綠色信貸的現(xiàn)狀和對(duì)綠色信貸風(fēng)險(xiǎn)管控的實(shí)踐情況。識(shí)別目前銀行投放綠色信貸所面臨的來自企業(yè)、行業(yè)、政策以及銀行操作流程方面不完善而引發(fā)的風(fēng)險(xiǎn),采用文獻(xiàn)資料法與系統(tǒng)分析法,進(jìn)一步分析這些風(fēng)險(xiǎn)的形成原因。以信貸風(fēng)險(xiǎn)與環(huán)境風(fēng)險(xiǎn)管理相關(guān)理論作為研究指導(dǎo),學(xué)習(xí)借鑒發(fā)達(dá)國(guó)家商業(yè)銀行在環(huán)境風(fēng)險(xiǎn)管理方面的成熟經(jīng)驗(yàn),在銀行傳統(tǒng)信貸評(píng)級(jí)的基礎(chǔ)上,加入了環(huán)境風(fēng)險(xiǎn)因素的評(píng)價(jià)分值。最后總結(jié)提出我國(guó)商業(yè)銀行在進(jìn)行綠色信貸項(xiàng)目的貸前審查、貸中控制和貸后管理各個(gè)環(huán)節(jié)應(yīng)加入對(duì)環(huán)境風(fēng)險(xiǎn)影響因素管理。結(jié)合我國(guó)國(guó)情的實(shí)際,為銀行開展綠色信貸規(guī)避環(huán)境風(fēng)險(xiǎn)提出了對(duì)策建議,建立合理的綠色信貸風(fēng)險(xiǎn)防范控制體系,形成了一套完整的環(huán)境風(fēng)險(xiǎn)管控流程,梳理十個(gè)環(huán)境風(fēng)險(xiǎn)管控操作環(huán)節(jié),總結(jié)出三種風(fēng)險(xiǎn)評(píng)估方法,最終得出規(guī)避和控制綠色信貸風(fēng)險(xiǎn)的管控措施。
[Abstract]:Since the implementation of reform and opening up in 1980's, China's economic development has made remarkable achievements. At the same time, we also need to see that the pattern of exchanging resources for economic development in the past has caused the current industrial structure of our country to be unreasonable. There are still some deficiencies in industrial guidance and environmental protection policies and laws, which need to be further optimized. The existence of these problems leads to great pressure on the environment while the economy is developing at a high speed. Extensive economic development model is not a long-term solution, therefore, in pursuit of rapid economic growth, but also need to be responsible for future generations, that is, to take the path of sustainable economic development. The transformation of economic development mode will inevitably bring about the transformation and optimization of industry. It is necessary for enterprises to upgrade and replace environmental protection facilities. In the process of production, enterprises need to achieve the purpose of efficient energy saving and energy saving and emission reduction, thus realizing the transformation to green economy. In 2003, the international financial industry began to advocate the implementation of the Equator principle, that is, the economic principle aimed at sustainable development. In 2007, China began to focus on the construction of the green credit system. Through the financial industry to provide credit support for the development of the green economy, and issued a series of documents on green credit, hoping to provide guidance for the development of green credit in China. The sustainable development of our economy and industrial optimization play a role in promoting. For commercial banks, the risk management of green credit is different from the risk management of traditional credit. This paper expounds the system concept of green credit and combines with the theory of credit risk management of commercial banks, through comparative analysis of the current situation of green credit carried out by major commercial banks in China and the practice of managing and controlling the risk of green credit. In order to identify the risks caused by the imperfections of enterprises, industries, policies and banks' operation procedures, the paper further analyzes the causes of these risks by using the method of literature and system analysis. Under the guidance of the theory of credit risk and environmental risk management, we learn from the mature experience of commercial banks in developed countries in environmental risk management, on the basis of the traditional credit rating of banks. The evaluation value of environmental risk factors is added. Finally, it is concluded that the management of environmental risk factors should be added to the control and post-loan management of China's commercial banks in the pre-loan review of green credit projects. Combined with the actual situation of our country, this paper puts forward some countermeasures and suggestions for banks to carry out green credit to avoid environmental risks, establishes a reasonable green credit risk prevention and control system, and forms a complete set of environmental risk management and control process. Combing ten operational links of environmental risk management and management, three risk assessment methods are summarized, and finally, the control measures to avoid and control green credit risk are obtained.
【學(xué)位授予單位】：華北電力大學(xué)(北京)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.4

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