绿色信贷对我国商业银行盈利能力影响资料.docx

独创性声明本人郑重声明：今所呈交的《绿色信贷对我国商业银行盈利能力影响分析》论文是我个人在导师指导下进行的研究工作及取得的科研成果。文中除特别加以标注的地方外，不包含其他人已经发表或撰写的内容及科研成果，也不包含西北大学或其他教育机构的学位或证书所使用过的材料。声明人（签名）：年月日中文摘要随着环境污染日益恶化，环境与经济发展之间的矛盾日趋明显，绿色金融在全球范围内如火如荼的进行，低碳经济，循环经济，绿色经济开始进入公众的视野，学术界也开始探索绿色环保产业在金融业的发展。就现阶段发展而言，我国对于“绿色金融”的关注主要集中在银行业，尤其是银行的信贷业务方面，即“绿色信贷”。绿色信贷源于“赤道原则”（也称国际绿色信贷政策）的定义并以“赤道原则”为标准。我国党的十八届五中全会强调, 要深入贯彻“绿色发展”,基于可持续发展思想产生的新型经济发展理念，致力于提高人类福利和社会公平。在此号召下，银行业金融机构积极开展能效信贷业务，发行绿色金融债等扩大能效信贷融资来源的方式，引领金融机构对绿色信贷倾斜。商业银行肩负经济责任、社会责任与环境责任，在当前我国所面临的资源环境形势下，“绿色信贷”已成为银行业机构践行环境责任的重要工具。本文主要采用文献研究法，定性研究法和实证分析法，以绿色信贷对我国商业银行盈利能力的影响为研究对象，在对商业银行盈利能力和绿色信贷概念界定的基础上，结合国内外绿色信贷发展现状，采用八家商业银行2008——2014年统计数据进行回归分析得出结论，并在最终结论的基础上结合我国实际情况，为增强商业银行营利性提出政策性建议。关键词：绿色金融,绿色信贷,赤道原则,盈利性The study of Green Credit’s Impact on Commercial Bank’s Profitability in ChinaAbstractWith the gradual deterioration of the environmental pollution, the contradiction between environment and economic development are beginning to gradually appear. The development of Green Finance is in full swing in the range of the world, low-carbon economy, green economy, circular economy have gradually become the social focus. The study of how can financial sector support environmental protection are continuously deepen. Now, our focus of attention only stop on banking business, especially on the credit operation, aka “Green Credit,” which originate from “The Equator Principles.” On the fifth Plenary Session of the 18th Central Committee of the Communist Party of China, economists emphasized implementing the “Green development” basing on sustainable ideology, in order to enhance human welfare and social equity. Therefore not only the financing institution has launched credit business of energy efficiency positively, commercial banks also took more social responsibility and corporate responsibility. Without doubt, “Green Credit” becomes a necessary tool to fulfill environmental liability.This thesis mainly used literature reading, unobtrusive research, empirical analysis, choosing the influence tha