本文選題：上市商業(yè)銀行 + 綠色信貸�。� 參考：《北京林業(yè)大學》2014年碩士論文

【摘要】：中國銀行業(yè)快速發(fā)展中,越來越多關注和涉足綠色信貸,對商業(yè)銀行綠色信貸問題的研究成為銀行業(yè)發(fā)展的熱點問題之一。本文從綠色信貸提出的理論基礎和現(xiàn)實背景入手,借鑒國際跨國銀行可持續(xù)金融的經驗和挑戰(zhàn),運用數據對比、描述性統(tǒng)計和回歸相關性分析等方法對我國16家上市股份制商業(yè)銀行綠色信貸業(yè)務財務績效影響(壞賬率、資產回報率和成本收入比三個財務指標)和綠色信貸實施的現(xiàn)狀和問題進行分析,發(fā)現(xiàn)現(xiàn)階段,這16家上市股份制銀行銀行綠色信貸業(yè)務比重與銀行壞賬率和總資產回報率不存在線性相關,也無其他顯著相關性,而銀行綠色信貸業(yè)務比重與銀行成本收入比呈顯著負相關,從而表明銀行綠色信貸業(yè)務增加一定程度有助于改善銀行財務績效。同時也指出了這16家上市股份制商業(yè)銀行在綠色信貸實施的動力,信息披露機制、綠色信貸標準、綠色信貸結構,以及綠色信貸業(yè)務創(chuàng)新等方面存在問題。最后,本文在分析問題的基礎上,提出了改善我國上市商業(yè)銀行綠色信貸業(yè)務的相關建議,包括優(yōu)化外部政策環(huán)境,立法以明確責任的承擔著及應負的法律責任；建立綠色信貸標準體系；明確綠色信貸激勵與約束機制。此外,從銀行內部機制出發(fā)規(guī)范綠色信貸業(yè)務管理,加強綠色信貸業(yè)務創(chuàng)新。
[Abstract]:With the rapid development of China's banking industry, more and more attention has been paid to green credit, and the research on green credit of commercial banks has become one of the hot issues in the development of banking industry.This paper starts with the theoretical basis and realistic background of green credit, draws lessons from the experiences and challenges of international multinational banks' sustainable finance, and applies the data comparison.Descriptive statistics and regression correlation analysis have an impact on the financial performance of the green credit business of 16 listed joint-stock commercial banks in China.The current situation and problems of the implementation of green credit and return on assets and cost-income ratio are analyzed, and it is found that at the present stage,The proportion of green credit business in these 16 listed joint-stock banks has no linear correlation with bad debts rate and total return on assets, and there is no other significant correlation, while the proportion of green credit business has a significant negative correlation with the ratio of bank cost to income.Therefore, the increase of bank green credit business is helpful to improve bank financial performance.At the same time, the paper also points out the existing problems of the 16 listed joint-stock commercial banks in green credit implementation, information disclosure mechanism, green credit standards, green credit structure, green credit business innovation and so on.Finally, based on the analysis of the problems, this paper puts forward some suggestions to improve the green credit business of listed commercial banks in China, including optimizing the external policy environment, legislating to assume the clear responsibility and legal responsibility;Establish the green credit standard system and clarify the incentive and restraint mechanism of green credit.In addition, we should standardize the management of green credit business and strengthen the innovation of green credit business from the bank's internal mechanism.
【學位授予單位】：北京林業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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