【摘要】：綠色、可持續(xù)發(fā)展已成為當今世界的時代潮流,在我們每天打開的電視、瀏覽的網(wǎng)頁、微信中,食品安全、生產(chǎn)安全、大氣污染、水污染等新聞事件接連不斷,全社會對產(chǎn)能過剩、環(huán)境污染、資源枯竭、生態(tài)平衡等熱點難點問題的關(guān)注度大大提高,倡導綠色文明,實現(xiàn)經(jīng)濟與社會、人類與自然的和諧發(fā)展成為全世界普遍共識。綠色信貸,通過引導資金流向節(jié)能減排、清潔能源、低碳環(huán)保、循環(huán)利用等綠色產(chǎn)業(yè),改造經(jīng)濟發(fā)展傳統(tǒng)方式、打造經(jīng)濟發(fā)展新引擎,推動新常態(tài)下經(jīng)濟社會加快轉(zhuǎn)型發(fā)展。X商業(yè)銀行發(fā)展綠色信貸業(yè)務,一方面可以獲得長遠的經(jīng)濟利益,另一方面又能體現(xiàn)其積極履行社會責任,還能助推P市經(jīng)濟轉(zhuǎn)型升級。本論文以理論分析和實踐相結(jié)合的方式,對發(fā)展綠色信貸的理論依據(jù)進行闡述,并通過分析X商業(yè)銀行發(fā)展綠色信貸業(yè)務的優(yōu)勢、劣勢,面對的機遇和挑戰(zhàn),對X商業(yè)銀行發(fā)展綠色信貸業(yè)務提出相應的對策建議。主要結(jié)構(gòu)為:理論介紹部分,歸納總結(jié)國內(nèi)外綠色信貸相關(guān)研究文獻、理論以及銀行業(yè)金融機構(gòu)發(fā)展綠色信貸業(yè)務的經(jīng)驗做法;業(yè)務現(xiàn)狀部分,介紹了 X商業(yè)銀行發(fā)展綠色信貸業(yè)務現(xiàn)狀及所處的內(nèi)外部環(huán)境;SWOT戰(zhàn)略環(huán)境分析部分,運用swot分析方法,指出當前X商業(yè)銀行發(fā)展綠色信貸業(yè)務的優(yōu)勢、劣勢、機遇和挑戰(zhàn);對策建議部分,針對X商業(yè)銀行發(fā)展綠色信貸業(yè)務存在的問題和面臨的困難,提出高度重視綠色信貸工作、建立有效地激勵約束機制、強化綠色信貸專業(yè)人才隊伍培養(yǎng)建設、積極拓寬綠色信貸市場、創(chuàng)新金融產(chǎn)品和服務、強化綠色信貸風險管控、爭取政府的支持、努力拓展信息來源渠道等對策建議。
[Abstract]:Green, sustainable development has become the trend of the times in today's world, in our daily television, browsing the web page, WeChat, food safety, production safety, air pollution, water pollution and other news events, and so on. The whole society pays more attention to the hot and difficult issues such as overcapacity, environmental pollution, resource exhaustion, ecological balance and so on. It has become the universal consensus all over the world to advocate green civilization, realize the harmonious development of economy and society, human beings and nature. Green credit, by directing funds to green industries such as energy conservation and emission reduction, clean energy, low-carbon environmental protection, recycling and other green industries, will transform the traditional way of economic development and build a new engine for economic development. X commercial banks can obtain long-term economic benefits on the one hand, on the other hand, they can actively fulfill their social responsibility, but also can promote the economic transformation and upgrading of P city. Based on the combination of theoretical analysis and practice, this paper expounds the theoretical basis of developing green credit, and analyzes the advantages, disadvantages, opportunities and challenges faced by X commercial banks in developing green credit business. To X commercial bank development green credit business puts forward the corresponding countermeasure suggestion. The main structure is as follows: the introduction of the theory, the summary of domestic and foreign green credit related research literature, theory and banking financial institutions to develop green credit business experience; In the part of business situation, the paper introduces the current situation and internal and external environment of X commercial bank's development of green credit business. The SWOT strategic environment analysis part, using the swot analysis method, points out the advantages, disadvantages, opportunities and challenges of the current X commercial bank developing green credit business; In the part of countermeasures and suggestions, aiming at the problems and difficulties existing in the development of green credit business in X commercial banks, this paper puts forward to attach great importance to the work of green credit, establish effective incentive and restraint mechanism, and strengthen the cultivation of professional personnel in green credit. We should actively broaden the green credit market, innovate financial products and services, strengthen the control and control of green credit risk, win the support of the government, and strive to expand the channels of information sources and other countermeasures.
【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4

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