低碳经济下我国构建绿色信贷机制的思考金融学专业论文.docxVIP

I I 内 容 摘 要 在经济增长和人类社会快速发展的同时，全球气候和环境问题日益成为世界关注 的焦点，发展低碳经济逐渐成为国际主流价值观。低碳经济的培育和发展离不开政府、 金融、技术这三方面的支持，而在金融这个要素中，绿色信贷具有至关重要的作用。 正确处理金融业与可持续发展的关系即为绿色信贷的本质。绿色信贷不仅是保护环境、 治理污染的重要经济手段，同时也是银行业在 21 世纪发展的必然趋势。在当前中国以 间接融资为主的融资结构下，银行信贷占据主导地位，绿色信贷对低碳经济的支持作 用至关重要。但是，目前我国各家银行在开展绿色信贷实践的过程中还存在着许多问 题亟需解决。在此背景下，研究我国如何构建绿色信贷机制、如何以绿色信贷促低碳 经济发展是迫在眉睫的重要问题。 本文首先概括介绍了低碳经济和绿色信贷的相关内容，指出发展绿色信贷的重要 意义；其次，用博弈论模型来分析我国绿色信贷参与主体的行为特征和策略选择，找 到目前我国在实施绿色信贷过程中的困难之处，力图为构建我国绿色信贷机制提供理 论支撑；再次，对比分析了国外和国内商业银行在绿色信贷方面的实践，总结了发达 国家绿色信贷经验对我们的启示。同时深入分析了我国银行在发展绿色信贷业务过程 中存在的问题，如法律政策不完善、缺乏有效的绿色信贷责任与激励机制、商业银行 的经营目标与社会责任之间存在矛盾、环保信息沟通机制不健全、人才缺乏等；最后， 从政府、商业银行、政策性银行三个角度提出了构建绿色信贷机制的相应对策和建议。 关键词：低碳经济 绿色信贷 商业银行 可持续发展 博弈 II II Abstract With the growing development of the economy and human society, the global climate and environmental problems are becoming a big issue all over the world，developing low carbon economy has gradually become the international mainstream values, we can say, low carbon economy is a huge step forward of human to ecological civilization. The cultivation and development of low carbon economy is inseparable from the support of the three aspects of the government, financial and technical, green credit has the vital role in the financial element. The essence of green credit is to correctly deal with the relationship of the financial industry and the sustainable development. Green credit is not only an important economic method to control pollution and protect the environment, it is also the inevitable trend of the development of banking industry in the 21st century. In China, in the current financing structure which main part is indirect financing, bank credit hold the dominant position, the support role of green credit is very important for low carbon. But, there were still many problems in the process of developing green credit of our country commercial banks, In this context, it is a imminent and important question to research on how to construct green credit mechanism in our country, and how to promote l