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摘 要

綠色信貸是治理污染、保護環(huán)境的重要經(jīng)濟手段，是21世紀銀行業(yè)發(fā)展的必然趨勢。當前，“綠色信貸”作為治理污染、保護環(huán)境的重要經(jīng)濟手段，已成為金融推進“資源節(jié)約型、環(huán)境友好型”社會建設(shè)的必然選擇。國外綠色信貸理論已日漸成熟，赤道原則已成為國際銀行業(yè)開展綠色信貸實踐的操作指南。但在我國，綠色信貸剛剛興起，機制尚不健全，覆蓋面很小，功能遠未充分發(fā)揮，因此，有必要加強綠色信貸問題研究，大力推進我國綠色信貸機制建設(shè)，讓綠色信貸在節(jié)能減排、保護環(huán)境中綻放光芒。
本文以綠色信貸、可持續(xù)發(fā)展理論等為基礎(chǔ)，分析阻礙中國商業(yè)銀行綠色信貸發(fā)展的原因，并試圖給出促進綠色信貸發(fā)展的政策建議。本文首先回顧了綠色信貸的理論基礎(chǔ)，根據(jù)可持續(xù)發(fā)展理論，提出了銀行作為金融主體促進環(huán)境保護發(fā)展的重要性。通過對國內(nèi)外銀行業(yè)開展綠色信貸的比較研究，分析中國銀行業(yè)綠色信貸的問題和不足，借鑒國外銀行綠色信貸的經(jīng)驗，結(jié)合了xx市工商銀行的綠色信貸情況，分析了銀行的綠色信貸現(xiàn)狀及產(chǎn)生的原因，提出了促進我國商業(yè)銀行綠色信貸發(fā)展的對策建議，以達到合理控制信貸增量、著力優(yōu)化信貸結(jié)構(gòu)、加強信貸風險管理的目的。

【關(guān)鍵詞】 綠色信貸 環(huán)境保護 商業(yè)銀行
Abstract
Green credit ,an important way to control pollution and protect environment ,is an inevitable trend of banking industry in the 21st century .Currently, as an important economical tool which can manage protect environment ,the green credit has become an inevitable choice of promoting the construction of resource saving ,environmentally friendly society in financial field .Green credit theories in foreign countries have been developed ,and the Equator Principle has been guidance for international banking industry to practice green credit .In China , green credit has just started ,with imperfect mechanism ,small scope of coverage and insufficiently-exerted function .Therefore ,it is necessary to strengthen the study of green credit and strive for the construction of its mechanism so as to give a full play for green credit in energy-saving and emission reduction
In this paper, the green credit, sustainable development theory as a foundation, analysis of China's commercial Banks that the cause of development of the green credit, and tries to give some to promote the development of green credit policy Suggestions. This paper first reviews the theoretical basis of the green credit, according to the sustainable development theory, this paper puts forward the bank as a financial subject to promote environmental protection on the importance of development. Through the domestic and international banking developing green credit the comparative study of the analysis of the Chinese banking industry of the green credit problems and the insufficiency, use for reference foreign bank green credit experience, Combined with the ICBC of Suihua, analyzes the cause of present situation and the green credit, presents development of commercial Banks in China green credit development of countermeasures ,in order to achieve reasonable control credit increment, improve the credit structure, strengthening credit risk management purposes.

Key words green credit environment protection commercial bank


目 錄
摘要 I
Abstract II

第1章 緒論 1
1.1 研究背景 1
1.2 研究目的及意義 2
1.3 國內(nèi)外研究現(xiàn)狀 3
1.3.1 國外研究現(xiàn)狀 3
1.3.2 國內(nèi)研究現(xiàn)狀 5
第2章 綠色信貸概述及其國外經(jīng)驗 7
2.1 綠色信貸概述 7
2.2 我國綠色信貸推行的主流模式 8
2.3 美國的實踐經(jīng)驗 10
2.4 德國的實踐經(jīng)驗 11
2.5 我國銀行發(fā)展綠色信貸的必要性 13
第3章 中國工商銀行xx分行綠色信貸發(fā)展分析 15
3.1 中國工商銀行xx分行企業(yè)簡介 15
3.2 中國工商銀行xx分行綠色信貸業(yè)務(wù)發(fā)展現(xiàn)狀 16
3.3 中國工商銀行xx分行綠色信貸存在的問題與發(fā)展障礙 19
第4章 促進我國商業(yè)銀行綠色信貸發(fā)展的對策建議 22
4.1 規(guī)范和約束地方政府行為 22
4.2 完善綠色信貸實施機制 23
4.3 強化商業(yè)銀行的配套管理體系 24

結(jié)束語 25
致謝 27
參考文獻 28