我国商业银行开展绿的色信贷业务的研究——修改 2.docVIP

摘 要 近年来，我国经济迅速腾飞，在十二届全国人大二次会议上，国务院总理李克强在政府工作报告中指出，我国今年经济目标同去年一致，GDP增速预期目标定在7.5%左右，但是随着经济的快速发展，工厂废气废水、汽车尾气的排放也造成了近几年我国严重的环境问题，尤其是2013年及2014年我国京津冀地区频繁出现的连续雾霾天气，已经拉响了警报，提醒我国在重视经济基础发展和建设的同时一定要加大对环境保护问题的关注。但是，目前我国的绿色信贷业务的开展仅仅是处于起步阶段，在实施过程中暴露了诸多问题，这就不得不引起我们对如何稳健高效的开展绿色信贷业务的思考。本文从责任意识，产品创新，内部机制与人才培养等几个方面对我国商业银行实施绿色信贷的具体情况进行了考察，发现了我国商业银行在发展绿色信贷方面存在的不足，并在前人研究的基础上结合作者的具体分析，提出了切实可行的对策，详细的制定了我国商业银行从树立绿色理念，到开展绿色业务，再到后备人才的引进与培养的构建计划。 关键词 绿色信贷；内部环境；运作机制；可持续发展 Abstract In recent years, Chinas rapid economic take-off, in the 12th National Peoples Congress second conference, premier Li Keqiang ?pointed out in his government work report, Chinas economic goals consistent with last year, this years GDP growth target at around 7.5%, but with the rapid development of economy, factory waste gas waste water, tail gas emission from cars also caused serious environmental problems in China in recent years, especially in 2013 and 2014 in beijing-tianjin-hebei region of frequent continuous haze weather, has sounded the alarm, remind based on importance to economic development and construction in China at the same time must be more attention to the problems of environmental protection ,while the internal banking optimize credit structure and reduce credit risk accelerate the transformation of business strategy , explore new profit growth point . Launch green credit business is the trend, however , our ongoing green credit business is just in its infancy , has exposed many problems in the implementation process , which had caused us to think about how robust and efficient strategy for green credit . In this paper, several aspects of the sense of responsibility , product innovation, personnel training and other internal mechanisms and the specific situation of Chinas commercial banks to implement green credit were investigated and found that the lack of commercial bank credit in the development of green areas , and in the previous studies Based on the analysis of specific binding of the author a