本文選題：綠色信貸 + 可持續(xù)發(fā)展��； 參考：《哈爾濱商業(yè)大學(xué)》2017年碩士論文

【摘要】：經(jīng)歷了三十多年的高速發(fā)展,資源的浪費與枯竭、環(huán)境的污染與惡化,使得我國經(jīng)濟發(fā)展與環(huán)境資源之間的矛盾日益凸顯。伴隨著我國經(jīng)濟發(fā)展進入新常態(tài),粗放式經(jīng)濟發(fā)展方式不能再持續(xù)下去,亟需轉(zhuǎn)變發(fā)展方式。黨的十八大明確提出建設(shè)生態(tài)文明這一重大目標,隨后十八屆五中全會又提出了綠色發(fā)展理念,可見我國對協(xié)調(diào)經(jīng)濟發(fā)展和環(huán)境保護的高度重視。"綠色信貸"是國際金融機構(gòu)在環(huán)境保護領(lǐng)域經(jīng)常使用的一種信貸手段,是一項創(chuàng)新型金融政策。金融業(yè)處于經(jīng)濟運行的核心,銀行業(yè)金融機構(gòu)又是社會資金融通的樞紐。商業(yè)銀行發(fā)展綠色信貸,在信貸領(lǐng)域設(shè)立環(huán)境準入門檻,既可發(fā)揮在環(huán)境保護和產(chǎn)業(yè)升級方面的推動作用,又為其控制信貸風險提供了新的途徑。綠色信貸,從源頭上有效遏制"兩高一剩"行業(yè)盲目發(fā)展,引導(dǎo)資金流向綠色型企業(yè)和項目,推動我國產(chǎn)業(yè)結(jié)構(gòu)調(diào)整升級,進而促進了經(jīng)濟與環(huán)境的協(xié)調(diào)可持續(xù)發(fā)展。本文首先通過對有關(guān)文獻資料的歸納總結(jié),掌握了綠色信貸的相關(guān)理論基礎(chǔ),為接下來的研究奠定了基礎(chǔ),接著深入分析我國上市商業(yè)銀行綠色信貸發(fā)展現(xiàn)狀并找出存在的問題,然后以我國首家"赤道銀行"興業(yè)銀行為典型案例,深入剖析其發(fā)展綠色信貸情況,總結(jié)出其相關(guān)的經(jīng)驗,并對綠色信貸給商業(yè)銀行盈利性帶來的影響進行了實證分析,最后結(jié)合存在的問題和興業(yè)銀行發(fā)展綠色信貸的經(jīng)驗,為我國商業(yè)銀行發(fā)展綠色信貸提出相應(yīng)對策。
[Abstract]:After more than 30 years of rapid development, the waste and depletion of resources, environmental pollution and deterioration, the contradiction between economic development and environmental resources has become increasingly prominent. With China's economic development entering into the new normal, extensive economic development mode can not continue, the urgent need to change the mode of development. The 18th National Congress of the Party clearly put forward the major goal of building ecological civilization, and then put forward the concept of green development at the Fifth Plenary session of the 18th CPC Central Committee, which shows that our country attaches great importance to coordinating economic development and environmental protection. " Green credit is a kind of credit which is often used by international financial institutions in the field of environmental protection. It is an innovative financial policy. Financial industry is the core of economic operation, and banking financial institutions are the hub of social capital. The development of green credit in commercial banks and the establishment of environmental entry barriers in the field of credit can not only play a driving role in environmental protection and industrial upgrading, but also provide a new way for them to control credit risks. Green credit can effectively curb the blind development of "two high and one surplus" industries, guide the capital flow to green enterprises and projects, promote the adjustment and upgrading of China's industrial structure, and promote the coordinated and sustainable development of economy and environment. First of all, by summarizing the relevant literature and materials, this paper has grasped the relevant theoretical basis of green credit, which has laid the foundation for the following research. Then it analyzes the current situation of green credit development of listed commercial banks in China and finds out the existing problems. Then taking the first "Equator Bank" as a typical case, the paper analyzes the development of green credit in China. This paper summarizes the relevant experience, and analyzes the impact of green credit on the profitability of commercial banks. Finally, it combines the existing problems and the experience of developing green credit in Societe Generale Bank. Put forward the corresponding countermeasure for our country commercial bank to develop green credit.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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