毕业论文—-我国商业银行开展绿色信贷的研究.doc

我国商业银行’s Commercial Banks Abstract In the process of economic development,many serious environmental problems appear because the lack of protecting environment at the same time.Nowadays,the environmental problems have become a focus issue that all countries concerned.And many countries struggled to find a way to solve this problem,especially as we entered the 21st Century.China has came into the green transformation of economic structure,since 2007,our government continued to come up with many relevant guide and rules,which forced the commercial banks、all the companies and the whole society to think about protecting the environment,in this way,the green credit works.This paper first analyses the green credit environment economics、the Equator Principle and risk precaution of the commercial banks,on the basis of all these conceptions,in the green credit practice status analysis of China’s banking institutions,find out all the drawbacks of the commercial banks and give advice to all the institutions.The main purpose is to help the economic develop in a healthy and sustainable way. Key words: Commercial Banks; Green Credit Mechanism; Sustainable Development;Social Responsibility 目录 摘要 1 Abstract 2 目录 3 第 4 1.1研究背景 4 1.2国内外研究现状 5 1.2.1国外研究现状 5 1.2.2国内研究现状 5 1.3研究目的和意义 6 1.3.1研究目的 6 1.3.2研究意义 6 第商业银行信贷风险 7 2.1绿色信贷的概述 7 2.1.1绿色信贷的概念 7 2.1.2绿色信贷的特点 7 2.1.3绿色信贷的 7 2.2商业银行信贷风险管理 8 2.2.1商业银行信贷风险管理的定义 8 2.2.2商业银行信贷风险管理的内容 8 2.3赤道原则概述 8 2.3.1赤道原则的概念 8 2.3.2赤道原则的内容 9 2.3.3赤道原则的借鉴 9 2.4本章小结 10 第 10 3.1商业银行绿色信贷业务的发展现状 10 3.1.1商业银行简介 10 3.1.2商业银行绿色信贷业务总体状况 10 3.2申请绿色信贷企业自身存在的问题 11 3.2.1 企业能力弱 11 3.2.2 信息反馈来源少 11 3.2.3 企业管理体制不规范 11 3.2.4 易发生道德风险 11 3.3 商业银行信用风险管理的问题 11 3.2.1相关技术型人才缺失 11 3.2.2信贷风险评估体制不健全 12 3.4本章小结 12 第 12 4.1商业银行绿色信贷风险防范的对策 12 4.1.1推进绿色信贷机制建设 12 4.1.2建立绿色信贷长效机制 12 4.1.3嘉庆绿色信贷统计监测 12 4.2商业银行信贷风险防范的建议 12 4.2.1完善绿色信贷风险评估体系 13 4.2.2发行绿色创新 13 4.2.3完善绿色信贷监督责任机制 13 4.2.4加强绿色信贷 13 4.3本章小结 13 结论 13 参考文献 14 致谢 15 绪论 1.1研究背景 目前，我国的经济发展速度迅猛，据国家统计局数据显示，即便是最近几年的国际形势动荡复杂，我国201