中国银行张掖分行绿色信贷业务贷款管理研究——以甘肃张掖小孤山水电cdm项目为例-research on green credit loan management of bank of china zhangye branch —— a case study of xiaogushan hydropower cdm project in zhangye, gansu province.docxVIP

暨南大学硕士学位论文 暨南大学硕士学位论文 暨南大学硕士学位论文 暨南大学硕士学位论文 万方数据 万方数据 万方数据 万方数据 摘 要 全球气候逐渐变暖，环境污染问题加剧，人类的生存与发展面临严重的威胁。实施 CDM 项目是我国减缓气候变暖、发展低碳经济的重要措施。CDM 项目贷款作为绿色信贷的一 部分，有利于清洁发展机制在我国的推广。然而，CDM 项目贷款管理具有其特殊性，管 理难度较大，风险较高。 本文首先梳理三大基础理论，包括外部性理论、庇古税和产权理论；其次，以张掖小 孤山水电 CDM 项目贷款为案例，从中国银行张掖分行绿色信贷业务概况、甘肃张掖小孤 山水电 CDM 项目概况以及中国银行张掖分行发放 CDM 项目贷款情况三个方面展开介绍； 再次，深入剖析该行实施的 CDM 项目贷款管理机制，从贷前、贷中、贷后三方面探析贷 款管理流程，指出贷款管理中存在的问题，总结成功经验；最后，归纳得到结论与政策建 议。 研究表明：中国银行张掖分行选择对小孤山水电 CDM 项目授予绿色信贷是符合环境 政策的，CERs 收入有利于实现对 CDM 项目的额外资金补贴。在 CDM 项目贷款管理中， 中国银行张掖分行应强化绿色信贷业务机构设置，发展新型 CDM 项目贷款模式，优化贷 款管理程序，开拓多元化碳金融服务与产品，实施 CDM 项目贷款风控体系。 关键词：绿色信贷；CDM 项目贷款；贷款管理 I Abstract As the global warming and the environment problem being increasingly serious, the survival and development of human beings are under grave threat. In our country, the implementation of CDM projects is the important measure to slow global warming and develop the low-carbon economy.As part of the green credit, CDM project loans are helpful to promote clean development mechanism. However, CDM project management is particular , difficult and risky. With historical particularity Gansu Zhangye Xiaogushan hydropower CDM project is Chinas first hydropower CDM project which has successful certificational and transferential CERs. Based on the project, the research of green credit business loan management in bank of China, Zhangye branch has the vital significance. Firstly, this paper combines basic theory, including the externality theory, Pigu tax and property rights theory. Secondly, to introduce the case of Gansu Zhangye Xiaogushan hydropower CDM project loans, the article starts with three aspects: the green credit business development of The Bank of China, Zhangye branch, the project activities and the CDM project loans. Thirdly, with the analysis of the implementation of loan management process and loan management mechanism, this paper proposes several problems in the credit management and sum up the successful experiences. Finally, this paper makes some conclusions an