兴业银行绿色信贷发展水平评价及影响因素分析——基于SWOT研究
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摘要
本文以国内绿色金融业务发展的"领头羊"——兴业银行为例,运用SWOT方法分析了兴业银行的外部机遇和威胁,内部优势和劣势。结果显示:总体上,我国绿色信贷发展水平呈上升趋势。从个体来看,兴业银行的绿色金融业务在我国商业银行中开展最好,最为迅速。目前的国际环境和国内的宏观政策都倡导可持续发展,为绿色信贷发展和交流合作提供了有利的基础,但是发展初期仍然暴露出许多问题,例如体制不完善,相应人才空缺,缺乏内部动力。因此,为了进一步提高绿色信贷发展水平,商业银行需要从组织管理、政策制度、流程管理和信息披露等方面控制绿色信贷风险,发展绿色信贷技术,加快人才培养,与政府合作建立信息沟通机制。
This paper takes industrial bank, a leader in the development of green finance business in China, as an example, and use SWOT method to analyze the external opportunities and threats of industrial bank,as well as internal advantages and disadvantages. The results show that:Overall, China's green credit has been growing steadily.From the individual point of view, the green finance business of industrial bank is the best and fastest in China's commercial Banks. The current international environment and domestic macro policies both advocate sustainable development and provide a favorable foundation for the development of green credit. However, many problems are still exposed in the early stage of development, such as imperfect system, corresponding talent vacancy and lack of internal impetus. Therefore, in order to improve the development level of green credit, commercial Banks need to control the risk of green credit from the aspects of organization management, policy system, process management and information disclosure, develop green credit technology, speed up personnel training, and cooperate with the government to establish an information communication mechanism.
This paper takes industrial bank, a leader in the development of green finance business in China, as an example, and use SWOT method to analyze the external opportunities and threats of industrial bank,as well as internal advantages and disadvantages. The results show that:Overall, China's green credit has been growing steadily.From the individual point of view, the green finance business of industrial bank is the best and fastest in China's commercial Banks. The current international environment and domestic macro policies both advocate sustainable development and provide a favorable foundation for the development of green credit. However, many problems are still exposed in the early stage of development, such as imperfect system, corresponding talent vacancy and lack of internal impetus. Therefore, in order to improve the development level of green credit, commercial Banks need to control the risk of green credit from the aspects of organization management, policy system, process management and information disclosure, develop green credit technology, speed up personnel training, and cooperate with the government to establish an information communication mechanism.
引文
[1]黄海峰,任培.中国绿色信贷政策现状研究[J].中国市场,2010(27).
[2]兴业银行股份有限公司.2017年年度报告[R].2017.
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[5]何德旭,张雪兰.对我国商业银行推行绿色信贷若干问题的思考[J].上海金融,2007(12).
[6]马骏.论构建中国绿色金融体系[J].金融论坛,2015(5).
[7]方志勇.商业银行绿色信贷创新实践与相关政策建议[J].金融监管研究,2016(6).
[2]兴业银行股份有限公司.2017年年度报告[R].2017.
[3]翁智雄,葛察忠.国内外绿色金融产品对比研究[J].中国人口资源与环境,2015(06).
[4]赵瑞娟.以兴业银行为例探讨绿色信贷在我国的发展[J].现代商业,2011(35).
[5]何德旭,张雪兰.对我国商业银行推行绿色信贷若干问题的思考[J].上海金融,2007(12).
[6]马骏.论构建中国绿色金融体系[J].金融论坛,2015(5).
[7]方志勇.商业银行绿色信贷创新实践与相关政策建议[J].金融监管研究,2016(6).