中国工商银行xx分行绿色信贷发展存在的问题及建议毕业论文.doc
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中国工商银行xx分行绿色信贷发展存在的问题及建议毕业论文,毕业论文，本人书写论文多年，上传作品为毕业合格作品，完整内容。格式标准，22600字左右。介绍：摘要绿色信贷是治理污染、保护环境的重要经济手段，是21世纪银行业发展的必然趋势。当前，“绿色信贷”作为治理污染、保护环境的重要经济手段，已成为金融推进“资源节约型、环境友好型”社会建设的必然选择。国外绿色信贷理论已日渐成熟，...
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毕业论文，本人书写论文多年，上传作品为毕业合格作品，完整内容。格式标准，22600字左右。介绍：
摘 要
绿色信贷是治理污染、保护环境的重要经济手段，是21世纪银行业发展的必然趋势。当前，“绿色信贷”作为治理污染、保护环境的重要经济手段，已成为金融推进“资源节约型、环境友好型”社会建设的必然选择。国外绿色信贷理论已日渐成熟，赤道原则已成为国际银行业开展绿色信贷实践的操作指南。但在我国，绿色信贷刚刚兴起，机制尚不健全，覆盖面很小，功能远未充分发挥，因此，有必要加强绿色信贷问题研究，大力推进我国绿色信贷机制建设，让绿色信贷在节能减排、保护环境中绽放光芒。
本文以绿色信贷、可持续发展理论等为基础，分析阻碍中国商业银行绿色信贷发展的原因，并试图给出促进绿色信贷发展的政策建议。本文首先回顾了绿色信贷的理论基础，根据可持续发展理论，提出了银行作为金融主体促进环境保护发展的重要性。通过对国内外银行业开展绿色信贷的比较研究，分析中国银行业绿色信贷的问题和不足，借鉴国外银行绿色信贷的经验，结合了xx市工商银行的绿色信贷情况，分析了银行的绿色信贷现状及产生的原因，提出了促进我国商业银行绿色信贷发展的对策建议，以达到合理控制信贷增量、着力优化信贷结构、加强信贷风险管理的目的。
【关键词】 绿色信贷 环境保护 商业银行
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 录
摘要 I
Abstract II
第1章 绪论 1
1.1 研究背景 1
1.2 研究目的及意义 2
1.3 国内外研究现状 3
1.3.1 国外研究现状 3
1.3.2 国内研究现状 5
第2章 绿色信贷概述及其国外经验 7
2.1 绿色信贷概述 7
2.2 我国绿色信贷推行的主流模式 8
2.3 美国的实践经验 10
2.4 德国的实践经验 11
2.5 我国银行发展绿色信贷的必要性 13
第3章 中国工商银行xx分行绿色信贷发展分析 15
3.1 中国工商银行xx分行企业简介 15
3.2 中国工商银行xx分行绿色信贷业务发展现状 16
3.3 中国工商银行xx分行绿色信贷存在的问题与发展障碍 19
第4章 促进我国商业银行绿色信贷发展的对策建议 22
4.1 规范和约束地方政府行为 22
4.2 完善绿色信贷实施机制 23
4.3 强化商业银行的配套管理体系 24
结束语 25
致谢 27
参考文献 28
摘 要
绿色信贷是治理污染、保护环境的重要经济手段，是21世纪银行业发展的必然趋势。当前，“绿色信贷”作为治理污染、保护环境的重要经济手段，已成为金融推进“资源节约型、环境友好型”社会建设的必然选择。国外绿色信贷理论已日渐成熟，赤道原则已成为国际银行业开展绿色信贷实践的操作指南。但在我国，绿色信贷刚刚兴起，机制尚不健全，覆盖面很小，功能远未充分发挥，因此，有必要加强绿色信贷问题研究，大力推进我国绿色信贷机制建设，让绿色信贷在节能减排、保护环境中绽放光芒。
本文以绿色信贷、可持续发展理论等为基础，分析阻碍中国商业银行绿色信贷发展的原因，并试图给出促进绿色信贷发展的政策建议。本文首先回顾了绿色信贷的理论基础，根据可持续发展理论，提出了银行作为金融主体促进环境保护发展的重要性。通过对国内外银行业开展绿色信贷的比较研究，分析中国银行业绿色信贷的问题和不足，借鉴国外银行绿色信贷的经验，结合了xx市工商银行的绿色信贷情况，分析了银行的绿色信贷现状及产生的原因，提出了促进我国商业银行绿色信贷发展的对策建议，以达到合理控制信贷增量、着力优化信贷结构、加强信贷风险管理的目的。
【关键词】 绿色信贷 环境保护 商业银行
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 录
摘要 I
Abstract II
第1章 绪论 1
1.1 研究背景 1
1.2 研究目的及意义 2
1.3 国内外研究现状 3
1.3.1 国外研究现状 3
1.3.2 国内研究现状 5
第2章 绿色信贷概述及其国外经验 7
2.1 绿色信贷概述 7
2.2 我国绿色信贷推行的主流模式 8
2.3 美国的实践经验 10
2.4 德国的实践经验 11
2.5 我国银行发展绿色信贷的必要性 13
第3章 中国工商银行xx分行绿色信贷发展分析 15
3.1 中国工商银行xx分行企业简介 15
3.2 中国工商银行xx分行绿色信贷业务发展现状 16
3.3 中国工商银行xx分行绿色信贷存在的问题与发展障碍 19
第4章 促进我国商业银行绿色信贷发展的对策建议 22
4.1 规范和约束地方政府行为 22
4.2 完善绿色信贷实施机制 23
4.3 强化商业银行的配套管理体系 24
结束语 25
致谢 27
参考文献 28
