本文關(guān)鍵詞：綠色信貸對產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的作用研究　出處：《天津商業(yè)大學》2014年碩士論文　論文類型：學位論文

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【摘要】：近年來，全球化的環(huán)境問題日益突出，受到了各國的密切關(guān)注，環(huán)境惡化、氣候變暖正在挑戰(zhàn)著人類文明的發(fā)展。伴隨著經(jīng)濟的迅猛發(fā)展，中國的環(huán)境問題也愈加嚴峻，水土流失、森林面積銳減、霧霾天氣等無不困擾著人們的生活，制約著經(jīng)濟的發(fā)展，造成這些問題的主要原因是我們在發(fā)展經(jīng)濟的同時忽視對大自然的保護，粗放的開發(fā)方式破壞了生態(tài)系統(tǒng)的平衡，反之，環(huán)境的惡化勢必阻礙經(jīng)濟的發(fā)展。面對如此嚴峻的環(huán)境問題和生存問題，各國學者專家都提出發(fā)展低碳經(jīng)濟是解決困局的唯一出路。我國政府也在環(huán)境保護和改善方面做了很多的努力，如上世紀八十年代提出的可持續(xù)發(fā)展戰(zhàn)略，2003年的科學發(fā)展觀等。在這種背景下，金融機構(gòu)的社會責任和環(huán)境責任備受關(guān)注，通過金融機構(gòu)的職能調(diào)整產(chǎn)業(yè)結(jié)構(gòu)，實現(xiàn)經(jīng)濟的可持續(xù)發(fā)展成為各國政府解決經(jīng)濟與環(huán)境發(fā)展僵局的新途徑。 本文首先闡述了綠色信貸與產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的關(guān)系，從理論層面分析了綠色信貸調(diào)整產(chǎn)業(yè)結(jié)構(gòu)的必要性和作用機制。其次，，主要對我國2007年以來綠色信貸的發(fā)展現(xiàn)狀和存在的問題進行分析，并通過與國外相關(guān)先進經(jīng)驗的比較，找出我國綠色信貸工作中的不足和提升空間。最后，對綠色信貸的發(fā)展和更好地發(fā)揮其調(diào)整產(chǎn)業(yè)結(jié)構(gòu)的作用提出了幾點建議：推進綠色信貸法律體系的建設(shè)；建立差異化“兩高”行業(yè)退出模式；完善綠色信貸與產(chǎn)業(yè)政策的對接機制；優(yōu)化環(huán)保信息披露和共享機制；落實綠色信貸的政府激勵措施；培養(yǎng)專門人才創(chuàng)新綠色信貸產(chǎn)品。本文尤其強調(diào)為落實“十二五”規(guī)劃中轉(zhuǎn)變經(jīng)濟發(fā)展方式的目標，實現(xiàn)經(jīng)濟的可持續(xù)發(fā)展，我國各政府職能部門應(yīng)大力配合銀行業(yè)的綠色信貸工作，拓展綠色信貸實施的廣度和深度，充分發(fā)揮綠色信貸調(diào)整產(chǎn)業(yè)結(jié)構(gòu)和保護環(huán)境的作用，開創(chuàng)經(jīng)濟與環(huán)境和諧發(fā)展新型道路。
[Abstract]:In recent years, the environmental problems of globalization have become increasingly prominent, received close attention of all countries, environmental degradation, climate warming is challenging the development of human civilization, along with the rapid development of the economy. China's environmental problems are becoming more serious, soil erosion, forest areas, haze weather and other people's lives, restricting the development of the economy. The main reason for these problems is that we ignore the protection of nature while we develop economy. The extensive way of development destroys the balance of ecosystem, vice versa. The deterioration of the environment is bound to hinder the development of the economy. Scholars and experts all over the world have proposed that developing low-carbon economy is the only way to solve the dilemma. Our government has also made a lot of efforts in environmental protection and improvement, such as the sustainable development strategy put forward in -20s. In 2003, the scientific development concept and so on. Under this background, the social responsibility and environmental responsibility of financial institutions have attracted much attention, and the industrial structure has been adjusted through the functions of financial institutions. The sustainable development of economy has become a new way for governments to solve the deadlock of economic and environmental development. This paper first expounds the relationship between green credit and the adjustment of industrial structure, analyzes the necessity and mechanism of green credit adjustment of industrial structure from the theoretical level. This paper mainly analyzes the current situation and existing problems of green credit in China since 2007, and compares it with the relevant advanced experience of foreign countries. Finally, some suggestions on the development of green credit and its role in adjusting the industrial structure are put forward: to promote the construction of green credit legal system; Establishing the "two high" industry withdrawal model; Perfecting the docking mechanism between green credit and industrial policy; Optimizing the mechanism of environmental information disclosure and sharing; Implementation of green credit government incentives; In order to realize the goal of transforming the mode of economic development in the 12th Five-Year Plan, this paper emphasizes the sustainable development of the economy. All government departments in China should cooperate with the green credit work of the banking industry, expand the breadth and depth of the green credit implementation, and give full play to the role of green credit in adjusting the industrial structure and protecting the environment. Create a new road for harmonious economic and environmental development.
【學位授予單位】：天津商業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F121.3

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