本文選題：生態(tài)文明　切入點：綠色信貸　出處：《天津商業(yè)大學》2014年碩士論文

【摘要】：改革開放以來，我國經(jīng)濟發(fā)展取得世界矚目成績的背后，也面臨著經(jīng)濟快速增長和資源消耗、生態(tài)環(huán)境保護的矛盾，而且在一些地區(qū)和領域里環(huán)境污染顯得尤為嚴重，生態(tài)環(huán)境不堪重負。面對如此嚴重的環(huán)境問題，我國“十二五”規(guī)劃明確指出要進行綠色發(fā)展，建設資源節(jié)約型、環(huán)境友好型社會；黨的十八大報告中也強調(diào)加快建立生態(tài)文明制度，健全國土空間開發(fā)、資源節(jié)約、生態(tài)環(huán)境保護的體制機制，推動形成人與自然和諧發(fā)展現(xiàn)代化建設新格局。 為了解決我國日益嚴重的環(huán)境問題，我國各個行業(yè)都做了一定的調(diào)整。對于掌握著巨大經(jīng)濟資源的金融業(yè)來說，推動環(huán)境保護、轉(zhuǎn)變發(fā)展方式等方面發(fā)揮著重要的作用。綠色信貸政策的提出很好地適應了我國的產(chǎn)業(yè)政策和環(huán)境經(jīng)濟政策，并且能夠很好的推動綠色產(chǎn)業(yè)的發(fā)展，在其提出后，得到了各級部門的贊揚與肯定。但是經(jīng)過一段時間的實踐，綠色信貸政策實際帶來的效果卻并不符合預期，銀行發(fā)放的綠色貸款數(shù)額并不多，，尤其是綠色信貸數(shù)額占全年貸款額的比重增長速度緩慢而且有下降的趨勢，對環(huán)境保護的促進作用也不夠明顯。另一方面，綠色信貸政策實施以來，政策制度不完善、沒有明確的監(jiān)管制度和監(jiān)管部門就造成了各個銀行只做“面子”工程或是為自己業(yè)務“漂”綠，發(fā)展綠色信貸政策不夠深入。為了應對這一系列的問題，如何是綠色信貸政策能夠真正發(fā)揮作用達到預期目標便成為了一個有意義的研究課題。 本文在研究國內(nèi)外有關綠色信貸政策的文獻后，通過理論分析與實證分析相合、比較分析、宏觀分析與微觀分析相結(jié)合等研究方法，試圖找出綠色信貸政策問題的原因所在，從政策制定者、政策監(jiān)管者和政策實施者角度全方位進行深入透徹的分析后發(fā)現(xiàn)以下問題。政策制定者所發(fā)布的綠色信貸政策的實施細則不完整，政策約束性低以及沒有相應的激勵機制，這就導致了商業(yè)銀行發(fā)展綠色信貸政策緩慢的現(xiàn)狀。導致綠色信貸政策發(fā)展緩慢的另一個原因是沒有明確的監(jiān)管部門，而且考核商業(yè)銀行完成綠色信貸政策的標準不完善。從商業(yè)銀行自身來將，大部分商業(yè)銀行環(huán)保意識不強而且綠色信貸政策的實施與商業(yè)銀行的經(jīng)營目標相沖突，這就影響了商業(yè)銀行實施綠色信貸政策的動力。再有，商業(yè)銀行在實施綠色信貸政策過程時缺乏規(guī)范性也造成了政策發(fā)展速度緩慢。 本文根據(jù)造成我國綠色信貸政策發(fā)展緩慢的原因，介紹了美國、日本、英國和德國開展綠色信貸政策的先進經(jīng)驗，并借鑒了我國最早加入赤道原則的興業(yè)銀行發(fā)展綠色信貸政策先進的合作模式，尋找解決問題的行之有效的方法。政策制定者應建立一套獎罰結(jié)合的機制并出臺綠色信貸政策的具體實施細則。在此基礎上，有關政府部門應聯(lián)合建立監(jiān)管部門并制定一套綠色信貸政策實施的考核標準。商業(yè)銀行首先應從思想意識上應加強對綠色信貸政策的重視，然后從多個方面規(guī)范實施綠色信貸政策的行為。最后，在各方參與者的努力配合下爭取打破我國發(fā)展綠色信貸政策的瓶頸，切實推動我國經(jīng)濟增長方式的轉(zhuǎn)變和經(jīng)濟結(jié)構的調(diào)整，開創(chuàng)經(jīng)濟快速發(fā)展和改善生態(tài)環(huán)境的雙贏局面。
[Abstract]:Since the reform and opening up, China's economic development has made impressive achievements behind the world, is also facing the rapid economic growth and resource consumption, the contradiction between the protection of the ecological environment, but also in some areas and in the field of environmental pollution is particularly serious, the ecological environment is overwhelmed. Facing such serious environmental problems in China, "12th Five-Year" plan clearly pointed out to carry out green development, build a resource-saving and environment-friendly society; the eighteen Party's report also stressed that accelerate the establishment of ecological civilization system, improve land and space development, resource conservation, ecological environment protection mechanism, promote the formation of a new pattern of human and nature harmonious development of modernization.
In order to solve the increasingly serious environmental problems in our country, various industries in China have made some adjustments. To grasp the enormous economic resources of the financial industry, to promote environmental protection, play an important role in changing the pattern of development. Put forward the green credit policy is well adapted to the industrial policy and environmental economic policy in our country, and can be very good to promote the development of green industry, in the proposed, the praise and affirmation departments. But after a period of practice, the green credit policy the actual impact is not expected, the bank issued the green loan amount is not much, especially the green credit amount accounted for the amount of loans the proportion of slow growth and a declining trend of environmental protection role is not obvious. On the other hand, since the green credit policy implementation, policy system. Good, there is no clear regulatory system and regulatory authorities caused banks only "face" is for their own business or engineering "drift" green, the development of green credit policy is not enough. In order to deal with a series of problems, how is the green credit policy can play a real role to achieve the expected goal has become a a meaningful research topic.
Based on the research at home and abroad about the green credit policy documents, through theoretical analysis and empirical analysis together, comparative analysis, research methods combining macro analysis and micro analysis, trying to find out the reason why the green credit policy issues, from policy makers, the following problems found regulators and policy implementation angle full range analysis thorough. The detailed rules for the implementation of the policy issued by the green credit policy is not complete, policy constraints of the lower and no corresponding incentive mechanism, which leads to the present situation of the development of commercial banks the green credit policy slow. Another cause of the slow development of the green credit policy is no clear regulatory authorities, and the assessment of commercial banks completed the green credit policy standard is not perfect. From the commercial banks to commercial banks, most environmental awareness is not strong and The implementation of green credit policy is in conflict with the business objectives of commercial banks. This affects the power of commercial banks to implement green credit policy. Moreover, commercial banks lack standardization during the implementation of green credit policy, which also results in slow development of policies.
According to the reasons for the slow development of China's green credit policy, the United States, Japan, Britain and Germany to carry out the advanced experience of the green credit policy, and from the green credit policy advanced cooperative development mode of China's earliest joined equator principles of the Industrial Bank, to find effective ways to solve the problems. The formulation mechanism should be to establish a system of rewards and the combination of specific implementation rules promulgated the green credit policy policy. On this basis, the relevant government departments should jointly establish supervision departments and develop a green credit policy implementation evaluation standards. Commercial banks should firstly ideology should strengthen the green credit policy value, and regulate the implementation of the green credit policy behavior from many aspects. Finally, to break the bottleneck of the development of green credit policy in China in all participants to cooperate, to push The transformation of the mode of economic growth in China and the adjustment of the economic structure have created a win-win situation for the rapid economic development and the improvement of the ecological environment.

【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

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相關期刊論文 前2條

1 ;北京銀行董事長閆冰竹:積極探索低碳金融模式的創(chuàng)新[J];中國金融;2011年02期

2 葉燕斐;;綠色信貸的實施與管理[J];中國金融;2012年10期

本文編號：1727506