文档介绍：首都经济贸易大学
硕士学位论文
我国商业银行绿色信贷问题研究
姓名:吴欣
申请学位级别:硕士
专业:金融学
指导教师:徐洪才
20100301
论文提要
随着经济的发展和社会的进步,环境问题正越来越成为当今各国关注的焦点问题
之一,这也是我衡兼顾的重要问题。经济活动的运行离不
开资金的融通,要想实现经济发展方式的转变,金融业特别是作为我国主要融资渠道
的银行业,也必须做出相应的改变,为环境保护和可持续发展提供相应的金融支持。
本文首先通过对绿色信贷业务的介绍以及绿色信贷相关背景的分析,指出我国商
业银行发展绿色信贷业务是经济社会可持续发展、商业银行环境风险管理及其履行社
会责任、提高国际竞争力的必然要求;其次,本文分析了国际和国内绿色信贷的实践;
然后指出我国商业银行绿色信贷业务的发展依然存在的诸多问题,如银行效益与社会
责任冲突问题、地方行政部门压力问题、环保信息沟通问题、创新问题等。最后,本
文针对上述问题提出了相应的解决方案,指出我国绿色信贷业务应从政府和商业银行
两方面形成合力,实现对环境保护的金融支持。

主题词:环境保护商业银行绿色信贷
I
Abstract
With the growing development of the society and economy, the environmental
problem is ing a big issue all over the world, and it is also a problem for China
which should be considered during the development of economy. Since economic growth
can not worked well without financial activity, financial support is a very necessary and
important way of environmental protection.
In the first of this thesis, through the introduction of the definition of green credit
policy and the analysis of its background, this thesis pointed out that the development of
green credit policy mercial banks is the necessary requirements of sustainable
development of society and environmental risk management mercial banks, and it is
also the necessary requirements of fulfilling social responsibility and enhancing
petitiveness mercial banks. Secondly, this thesis analyzes the
international and domestic green credit practice. Thirdly, the thesis pointed out that China's
green credit practice still exist many problems, such as the conflict between enterprise
efficiency and social responsibility, the stress from local administration, communication
problems of environmental information, lack of innovation and so on. Finally, this thesis
gives corresponding solutions for these problems, and pointed out that both government
mercial banks should strive to develop China's green credit policy to give
financ