浅谈我国商业银行发展绿色信贷问题标红.docx

大连理工大学硕士学位论文格式规范仰恩大学毕业论文（设计）--PAGEI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AbstractWiththesoaringoftheglobaleconomy,environmentalproblems,suchaspollution,exhaustionofresourcesandecologicalunbalanceandetc.,havebeenbecomingincreasinglyserious,thusseverelyaffectthequalityandsustainabledevelopmentofeconomy.Bank,thecoreofeconomysystem,cannotescapesucheffect.Consequently,itisnecessaryforbanktocarryouttheinnovationwiththethemeofgreen-creditpolicy.Under_suchbackground,Chinacommercialbanksshouldconstructlongtermenvironment-protectingcreditmechanismthroughsettingupenvironmentaccessinthefieldoffinancialcredit,controllingthesourcesoffundsforthehigh-consumingandhighpollutingbusinesslinesandcarryingoutgreen-creditpolicy,inordertoachievetheeconomicalsustainabledevelopment.Thisarticlestartswithgreencredit.Thispaperintroducestheconceptandrationaleofgreencredittogivepeoplemoreinsightintogreencredit.ThispaperintroducestheinnovationcaseofthesuccessfulimplementationofthegreencreditbyabnamrobankandthedevelopmentofgreencreditbusinessforcommercialBanksinChina.Thispaperanalyzesthegreencreditoperationsoficbcfromfiveaspects,pointsouttheproblemsarisingintheimplementationandsummarizesthem.Finally,itisrecommendedtobetterimplementthegreencreditbusiness.KeyWords：Commercialbank；Industrialandgreen-credit；theEquatorPrinciples；CommercialBankofChina目