我国商业银行开展绿色信贷的研究

我国商业银行开展绿色信贷业务研究摘要多年来，在经济发展的过程中，人们并没有同步重视保护自己赖以生存的环境，目前，环保问题已经成了全世界关注的重点问题。尤其是进入二十一世纪以来，世界各国更是做出了很多的努力和尝试，我国现在也进入了经济结构绿色转型的阶段，从2007年以后，我国政府不断推出相关的指南和规定，促使商业银行、广大企业和全社会都进入环保的进程，并且取得了较好的成效。本文先对绿色信贷、赤道原则和商业银行信贷风险等基础概念进行评析，为我国推行绿色信贷进行理论基础的铺垫，在此基础上，重点对我国的银行业进行绿色信贷的实践现状进行分析，找出其不足，并且提供了改进的措施和建议，旨在促进我国的经济转型顺利进行，经济实现健康的、可持续发展。关键词商业银行；绿色信贷；可持续发展；社会责任StudyonGreenCreditofChina’sCommercialBanksAbstractIntheprocessofeconomicdevelopment,manyseriousenvironmentalproblemsappearbecausethelackofprotectingenvironmentatthesametime.Nowadays,theenvironmentalproblemshavebecomeafocusissuethatallcountriesconcerned.Andmanycountriesstruggledtofindawaytosolvethisproblem,especiallyasweenteredthe21stCentury.Chinahascameintothegreentransformationofeconomicstructure,since2007,ourgovernmentcontinuedtocomeupwithmanyrelevantguideandrules,whichforcedthecommercialbanks、allthecompaniesandthewholesocietytothinkaboutprotectingtheenvironment,inthisway,thegreencreditworks.Thispaperfirstanalysesthegreencreditenvironmenteconomics、theEquatorPrincipleandriskprecautionofthecommercialbanks,onthebasisofalltheseconceptions,inthegreencreditpracticestatusanalysisofChina’sbankinginstitutions,findoutallthedrawbacksofthecommercialbanksandgiveadvicetoalltheinstitutions.Themainpurposeistohelptheeconomicdevelopinahealthyandsustainableway.Keywords:CommercialBanks;GreenCreditMechanism;SustainableDevelopment;SocialResponsibility目录摘要..................................................................................................................................................1Abstract...........................................................................................................................................2目录..................................................................................................................................................3第1章绪论.....................................................................................................................................51.1研究背景............................................................................................................................51.2国内外研究现状................................................................................................................51.2.1国外研究现状........................................................................................................51.2.2国内研究现状........................................................................................................61.3研究目的和意义................................................................................................................71.3.1研究目的................................................................................................................71.3.2研究意义................................................................................................................7第2章绿色信贷和商业银行信贷风险管理相关理论.................................................................72.1绿色信贷的概述................................................................................................................72.1.1绿色信贷的概念....................................................................................................72.1.2绿色信贷的特点....................................................................................................82.1.3绿色信贷的发展....................................................................................................82.2商业银行信贷风险管理....................................................................................................92.2.1商业银行信贷风险管理的定义............................................................................92.2.2商业银行信贷风险管理的内容............................................................................92.3赤道原则概述....................................................................................................................92.3.1赤道原则的概念....................................................................................................92.3.2赤道原则的内容....................................................................................................92.3.3赤道原则的借鉴..................................................................................................102.4本章小结..........................................................................................................................10第3章商业银行绿色信贷业务发展现状和存在的问题...........................................................113.1商业银行绿色信贷业务的发展现状..............................................................................113.1.1商业银行简介......................................................................................................113.1.2商业银行绿色信贷业务总体状况......................................................................113.2申请绿色信贷企业自身存在的问题..............................................................................113.2.1企业抗风险能力弱.............................................................................................113.2.2信息反馈来源少.................................................................................................123.2.3企业管理体制不规范..