浅谈我国商业银行发展绿色信贷问题正文.docx

摘要在全球经济高速发展的同时环境污染、资源枯竭、生态失衡等问题日趋严重环境问题已影响到经济的运行质量和可持续发展能力。银行业作为经济体系的核心其发展必然会受到环境问题的影响因此银行业开展以“绿色信贷”为主题的改革和创新成为历史必然。在这种背景下我国商业银行应通过在金融信贷领域设立环境准入门槛控制高耗能、高污染行业的资金来源进而改变运用银行资金盲目扩张、无序发展环保风险行业的局面以信贷的“绿化”为契机构建起有效的绿色信贷机制实现经济的可持续发展。本文以绿色信贷为出发点。通过介绍绿色信贷的概念和理论基础让人们对绿色信贷有更深入的了解。介绍了荷兰银行成功实施绿色信贷的创新案例以及对我国商业银行开展绿色信贷业务有所启发。从五个方面对工商银行实施绿色信贷业务进行分析指出实施过程中出现的问题并进行总结。最后对银行业更好的实施绿色信贷业务提出建议。关键词：商业银行；工商银行；绿色信贷；可持续发展AbstractWiththesoaringoftheglobaleconomyenvironmentalproblemssuchaspollutionexhaustionofresourcesandecologicalunbalanceandetc.havebeenbecomingincreasinglyseriousthusseverelyaffectthequalityandsustainabledevelopmentofeconomy.Bankthecoreofeconomysystemcannotescapesucheffect.Consequentlyitisnecessaryforbanktocarryouttheinnovationwiththethemeofgreen-creditpolicy.Under_suchbackgroundChinacommercialbanksshouldconstructlongtermenvironment-protectingcreditmechanismthroughsettingupenvironmentaccessinthefieldoffinancialcreditcontrollingthesourcesoffundsforthehigh-consumingandhighpollutingbusinesslinesandcarryingoutgreen-creditpolicyinordertoachievetheeconomicalsustainabledevelopment.Thisarticlestartswithgreencredit.Thispaperintroducestheconceptandrationaleofgreencredittogivepeoplemoreinsightintogreencredit.ThispaperintroducestheinnovationcaseofthesuccessfulimplementationofthegreencreditbyabnamrobankandthedevelopmentofgreencreditbusinessforcommercialBanksinChina.Thispaperanalyzesthegreencreditoperationsoficbcfromfiveaspectspointsouttheproblemsarisingintheimplementationandsummarizesthem.Finallyitisrecommendedtobetterimplementthegreencreditbusiness.KeyWords：Commercialbank；Industrialandgreen-credit；theEquatorPrinciples；CommercialBankofChina目录摘要IIAbstractIII引言6一、绿色信贷的相关理论7（一）绿色信贷基本概念7（二）绿色信贷的理论基础8二、国外银行绿色信贷发展现状与启示9（一）国际绿色信贷的黄金准则--赤道原则9（二）国际银行业开展绿色信贷的创新案