我国商业银行绿色信贷发展状况研究.docxVIP

PAGE \* MERGEFORMAT 2 我国商业银行绿色信贷发展状况研究 摘要：近些年来，随着全球经济的快速发展和人口增加，环境问题越发严重，低碳经济已经成为了全世界及中国发展的主旋律。作为低碳经济的一个关键组成部分，绿色信贷在促进经济增长方式转变方面发挥着重要的作用。银行作为金融业的主体和企业最大的资金提供者，在创造利润的同时所承担的社会责任也越来越受人们关注。本文对我国商业银行发展绿色信贷的实践进行阐述，并对其在发展过程中存在的问题进行剖析和试图给出促进绿色信贷发展的建议。 关键词：我国商业银行；绿色信贷；发展对策 Research of the Development of Green Loan of Chinas Commercial Banks Abstract：In recent years, with the rapid development of the global economy and the population growth, the environmental problems are more serious, a low-carbon economy has become the main theme of the world and Chinas development. As a key component of a low-carbon economy, green loan plays an important role in promoting the transformation of economic growth mode. The bank, as the main body in finance industry and the largest corporate funders, while creating profits, the social responsibility becomes more and more attentionable. This paper elaborates the practice of the development of green loan in our commercial banks, and analyzes its existing problems in the development process, and trying to give suggestions to promote green loan development. Key word：Chinas commercial banks; green loan; development Strategies  目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc387608873 1 引言 PAGEREF _Toc387608873 \h 1 HYPERLINK \l _Toc387608874 2 绿色信贷概述 PAGEREF _Toc387608874 \h 1 HYPERLINK \l _Toc387608875 2.1 绿色信贷的含义 PAGEREF _Toc387608875 \h 1 HYPERLINK \l _Toc387608876 2.2 实施绿色信贷的必要性 PAGEREF _Toc387608876 \h 2 HYPERLINK \l _Toc387608877 2.2.1 实施绿色信贷是我国经济社会可持续发展的必然选择 PAGEREF _Toc387608877 \h 2 HYPERLINK \l _Toc387608878 2.2.2 实施绿色信贷有助于商业银行管理环境风险 PAGEREF _Toc387608878 \h 2 HYPERLINK \l _Toc387608879 2.2.3 实施绿色信贷有助于提升商业银行的经营绩效 PAGEREF _Toc387608879 \h 2 HYPERLINK \l _Toc387608880 2.2.4 实施绿色信贷已成为国际银行业的营运规范 PAGEREF _Toc387608880 \h 3 HYPERLINK \l _Toc387608881 3 我国商业银行绿色信贷的发展状况 PAGEREF _Toc387608881 \h 3 HYPERLINK \l _Toc387608882 3.1 我国商业银行绿色信贷的发展起源 PAGEREF _Toc387608882 \h 3 HYPERLINK \l _Toc387608883 3.2 我国商业银行绿色信贷的实践 PA