我国绿色信贷发展研究
|
摘要
伴随着世界经济的发展和全球人口的增加,气候变暖和环境污染问题变得越来越严重。保护我们的生存环境,拥有一片美丽的蓝天已经成为现代人热切的渴望。然而仅仅靠法律的监督和企业的自律往往是不够的,企业经常以牺牲环境为代价来追求自身利益的最大化。如何能够让企业更加关注我们的生存环境呢?本文从金融学的角度出发,研究如何利用绿色信贷这一金融杠杆来约束企业的行为、合理配置社会资金,从而使企业在追求自身利益最大化的同时履行保护环境的社会责任。保护环境是每一个企业必须承担的社会责任和义务。
本文共分为五章。第一章主要介绍绿色信贷的基本概念及理论基础;第二章主要介绍绿色信贷政策的发展,分析了我国发展绿色信贷的现实意义,论述了我国绿色信贷的流程;第三章分析我国绿色信贷的发展现状,存在的问题及制约我国绿色信贷发展的因素,论述了我国绿色信贷的风险及我国绿色信贷的风险管理;第四章通过介绍国外绿色信贷即赤道原则,比较赤道原则与我国绿色信贷政策的不同,得出赤道原则的先进经验对我国开展绿色信贷的启示;第五章提出了发展我国绿色信贷的对策建议。
本文的结论是:我国应该通过多种策略来发展我国的绿色信贷,这些策略包括但不限于:健全和完善我国绿色信贷的法律制度;建立环境征信系统提供动态的实时的环境信息及环境监控系统;通过财税政策,构建我国绿色信贷发展的优惠利率;加强我国绿色信贷的监管;构建我国绿色信贷的文化体系;创新技术,开发绿色信贷产品。绿色信贷是我国商业银行提高经营绩效和降低经营风险的客观需要,是我国经济可持续发展的必然要求,也是顺应国际发展趋势的正确选择。
With the development of the world economy and global population growth, climate warming and environmental pollution problems become more serious. To protect our living environment, with a beautiful blue sky has become a fervent desire of modern people. However, only the law on supervision and corporate self-regulation is often not enough to the expense of the environment to maximize their own interests to pursue. How to encourage enterprises pay more attention to the survival of our environment? This article from the finance point of view, to study the use of green credit financial leverage to restrain the behavior of enterprises, the rational allocation of social funds, so that enterprises in the pursuit of maximizing their own interests at the same time to fulfill the social responsibility of protecting the environment. Environmental protection is a must for every kind of social obligation.
This article is divided into five chapters. The first chapter introduces the basic concepts of green credit and theoretical basis; the second chapter introduces the development of the green credit policy, analysis of China's development of the practical significance of green credit, discusses the process of China's green credit; third chapter analyzes the development of China's green credit the status , existing problems and constraints the development of China's green credit factors, discussed China's green credit risk and the risk of China's green credit management; Chapter IV green credit abroad by introducing the principle that the equator compared with the Equator Principles of China's green credit policy different, come to the advanced experience of the Equator Principles launched on China's green credit Enlightenment; fifth chapter of the development strategies of China's green credit recommendations.
This article concludes that: China should be resolved through a variety of strategies to the development of China's green credit, these strategies include, but are not limited to: the sound and perfecting the legal system of green credit; the establishment of credit information system environment to provide dynamic real-time environmental information and environmental monitoring system; through fiscal and taxation policy, to build the development of China's green credit rate; strengthen supervision of China's green credit; to build the culture of China's green credit system; innovative technology to develop green credit products. Green credit is China's commercial banks to improve performance and reduce operational risks of the objective need for sustainable economic development of China's inevitable requirement, but also conform to international development trends in the correct choice.
本文共分为五章。第一章主要介绍绿色信贷的基本概念及理论基础;第二章主要介绍绿色信贷政策的发展,分析了我国发展绿色信贷的现实意义,论述了我国绿色信贷的流程;第三章分析我国绿色信贷的发展现状,存在的问题及制约我国绿色信贷发展的因素,论述了我国绿色信贷的风险及我国绿色信贷的风险管理;第四章通过介绍国外绿色信贷即赤道原则,比较赤道原则与我国绿色信贷政策的不同,得出赤道原则的先进经验对我国开展绿色信贷的启示;第五章提出了发展我国绿色信贷的对策建议。
本文的结论是:我国应该通过多种策略来发展我国的绿色信贷,这些策略包括但不限于:健全和完善我国绿色信贷的法律制度;建立环境征信系统提供动态的实时的环境信息及环境监控系统;通过财税政策,构建我国绿色信贷发展的优惠利率;加强我国绿色信贷的监管;构建我国绿色信贷的文化体系;创新技术,开发绿色信贷产品。绿色信贷是我国商业银行提高经营绩效和降低经营风险的客观需要,是我国经济可持续发展的必然要求,也是顺应国际发展趋势的正确选择。
With the development of the world economy and global population growth, climate warming and environmental pollution problems become more serious. To protect our living environment, with a beautiful blue sky has become a fervent desire of modern people. However, only the law on supervision and corporate self-regulation is often not enough to the expense of the environment to maximize their own interests to pursue. How to encourage enterprises pay more attention to the survival of our environment? This article from the finance point of view, to study the use of green credit financial leverage to restrain the behavior of enterprises, the rational allocation of social funds, so that enterprises in the pursuit of maximizing their own interests at the same time to fulfill the social responsibility of protecting the environment. Environmental protection is a must for every kind of social obligation.
This article is divided into five chapters. The first chapter introduces the basic concepts of green credit and theoretical basis; the second chapter introduces the development of the green credit policy, analysis of China's development of the practical significance of green credit, discusses the process of China's green credit; third chapter analyzes the development of China's green credit the status , existing problems and constraints the development of China's green credit factors, discussed China's green credit risk and the risk of China's green credit management; Chapter IV green credit abroad by introducing the principle that the equator compared with the Equator Principles of China's green credit policy different, come to the advanced experience of the Equator Principles launched on China's green credit Enlightenment; fifth chapter of the development strategies of China's green credit recommendations.
This article concludes that: China should be resolved through a variety of strategies to the development of China's green credit, these strategies include, but are not limited to: the sound and perfecting the legal system of green credit; the establishment of credit information system environment to provide dynamic real-time environmental information and environmental monitoring system; through fiscal and taxation policy, to build the development of China's green credit rate; strengthen supervision of China's green credit; to build the culture of China's green credit system; innovative technology to develop green credit products. Green credit is China's commercial banks to improve performance and reduce operational risks of the objective need for sustainable economic development of China's inevitable requirement, but also conform to international development trends in the correct choice.
引文
[1]董玉华.《绿色经济需要绿色信贷》[J].环境经济,2008,(5):63-64.
[2]董玉华.《绿色信贷·绿色金融文化与环境内生型经济》[J].农村金融研究,2008,(2):26-32.
[3]熊惠平.《从绿色信贷到赤道原则:公司社会责任演化的视角》[J].新金融,2007,(11):21-23.
[5]毕舸.《绿色信贷面临着硬污染的、软约束》[J].争鸣,2007,(8):68-68.
[6]朱红伟.《绿色信贷与信贷投资中的环境风险》[J].华北金融, 2008,(5):21-24.
[5]孙洪庆.《构建绿色金融体系》[J].环渤海经济瞭望, 2001,(6):38-39.
[6]潘爱建.《构建财税对绿色信贷的激励机制》[J].地方财政研究, 2008,(5):26-29.
[9]夏少敏.《绿色信贷政策需要法律化》[J].世界环球, 2008,(3): 32-34.
[10]娄祖勤.商业银行信贷管理[M].广东:广东经济出版社, 1999:1-18.333-345.
[11]马海英.商业银行信用风险分析与管理[M].上海:上海财经大学出版社,2007:157-161.
[12]艾迪·凯德著,张云峰等译.银行风险管理[M].北京:中国金融出版社,2004:92-96.
[13]彭江平.商业银行风险管理的理论与系统[M].四川:西南财经大学出版社, 2004:16-22.
[14]杨学友,孟霞.现代商业银行信贷[M].北京:中国金融出版社. 2001:148-158.161-167.
[15]叶署君.信用风险的博弈分析与度量模型[M].北京:中国经济出版社. 2008:223-245.
[16]卢鸿.现代商业银行内部控制系统论[M].北京:中国金融出版社.2001:187-196.
[17]陆岷峰.商业银行危机管理[M].北京:中国经济出版社.2008:245-254.
[18]彼得·S·罗斯著,唐旭、王丹等译.商业银行管理[M].北京:经济科学出版社.2003:98-110.
[19]凌江怀.现代商业银行经营与管理[M].广东:广东旅游出版社. 1995:301-338.
[20]庄毓敏.商业银行业务与经营[M].北京:中国人民大学出版社. 1999:1-10.
[20]曼昆著,梁小民译,经济学原理[M].北京:机械工业出版社.2005:202-209,226-227.
[21]高鸿业.西方经济学[M].北京:中国经济出版社.1996:746-767
[22]曹龙骐.金融学[M].北京:高等教育出版社. 2003:244-269,432-459,527-537.
[23]严法善.环境经济学概论[M].上海:复旦大学出版.2003:169-173.
[24]姚建.环境经济学[M].四川:西南财经大学.2001:150-158.
[24]陶文达.发展经济学[M].北京:中国财政经济出版社.1988:67-79.
[25]张培刚.发展经济学教程[M].北京:经济科学出版社.2001:78-96.
[26]李扬、王国刚、刘煜辉.中国城市金融生态环境评价[M].北京:人民出版社社.2005:203-211.
[27]中国社会科学院经济学部.生态环境与经济发展.北京:经济管理出版社.2008:165-178
[25]丹尼斯.梅多斯.增长的极限[M].北京:商务印书馆.1984:173-183.
[1] J.S5.Mill. Principles of Political Economy.Longman press. 1979:15-23.
[2] Oates ,Wallace E. Fiscal Federalism. New York :Harcourt Brace, 1972:22-24.
[3] Roland White ,Paul Smoke .East Asia Decentralizes ,World Bank,2005:169
[4]China National Development and Sub-national Finance.A Review of Provincial Expenditure ,Washington D.C.World Band.2002.
[5] Gerard Roland .Transition and Economics,The MTT Press,2000.
[6] Nicholas Lardy .China Unfinished Economic Revolution ,Brookings Institution,1998.
[7] President’s Commission on Industrial Competitiveness, Global Competition: The New’s Reality Washington D.C , U.S. ,Government Printing Office,1985.
[8] Caron ,A.S.Plight of the thrift institutions, Washington, D.C. Brookings institution, 1982.
[9] Standard &Poor’s ,Sovereign Credit Ratings :A Printer, December 1998.
[10] Segal,IlyaR Monopoly and Soft Budget Constraint ,Rant Journal ofEconomics,Autumn,1998.
[2]董玉华.《绿色信贷·绿色金融文化与环境内生型经济》[J].农村金融研究,2008,(2):26-32.
[3]熊惠平.《从绿色信贷到赤道原则:公司社会责任演化的视角》[J].新金融,2007,(11):21-23.
[5]毕舸.《绿色信贷面临着硬污染的、软约束》[J].争鸣,2007,(8):68-68.
[6]朱红伟.《绿色信贷与信贷投资中的环境风险》[J].华北金融, 2008,(5):21-24.
[5]孙洪庆.《构建绿色金融体系》[J].环渤海经济瞭望, 2001,(6):38-39.
[6]潘爱建.《构建财税对绿色信贷的激励机制》[J].地方财政研究, 2008,(5):26-29.
[9]夏少敏.《绿色信贷政策需要法律化》[J].世界环球, 2008,(3): 32-34.
[10]娄祖勤.商业银行信贷管理[M].广东:广东经济出版社, 1999:1-18.333-345.
[11]马海英.商业银行信用风险分析与管理[M].上海:上海财经大学出版社,2007:157-161.
[12]艾迪·凯德著,张云峰等译.银行风险管理[M].北京:中国金融出版社,2004:92-96.
[13]彭江平.商业银行风险管理的理论与系统[M].四川:西南财经大学出版社, 2004:16-22.
[14]杨学友,孟霞.现代商业银行信贷[M].北京:中国金融出版社. 2001:148-158.161-167.
[15]叶署君.信用风险的博弈分析与度量模型[M].北京:中国经济出版社. 2008:223-245.
[16]卢鸿.现代商业银行内部控制系统论[M].北京:中国金融出版社.2001:187-196.
[17]陆岷峰.商业银行危机管理[M].北京:中国经济出版社.2008:245-254.
[18]彼得·S·罗斯著,唐旭、王丹等译.商业银行管理[M].北京:经济科学出版社.2003:98-110.
[19]凌江怀.现代商业银行经营与管理[M].广东:广东旅游出版社. 1995:301-338.
[20]庄毓敏.商业银行业务与经营[M].北京:中国人民大学出版社. 1999:1-10.
[20]曼昆著,梁小民译,经济学原理[M].北京:机械工业出版社.2005:202-209,226-227.
[21]高鸿业.西方经济学[M].北京:中国经济出版社.1996:746-767
[22]曹龙骐.金融学[M].北京:高等教育出版社. 2003:244-269,432-459,527-537.
[23]严法善.环境经济学概论[M].上海:复旦大学出版.2003:169-173.
[24]姚建.环境经济学[M].四川:西南财经大学.2001:150-158.
[24]陶文达.发展经济学[M].北京:中国财政经济出版社.1988:67-79.
[25]张培刚.发展经济学教程[M].北京:经济科学出版社.2001:78-96.
[26]李扬、王国刚、刘煜辉.中国城市金融生态环境评价[M].北京:人民出版社社.2005:203-211.
[27]中国社会科学院经济学部.生态环境与经济发展.北京:经济管理出版社.2008:165-178
[25]丹尼斯.梅多斯.增长的极限[M].北京:商务印书馆.1984:173-183.
[1] J.S5.Mill. Principles of Political Economy.Longman press. 1979:15-23.
[2] Oates ,Wallace E. Fiscal Federalism. New York :Harcourt Brace, 1972:22-24.
[3] Roland White ,Paul Smoke .East Asia Decentralizes ,World Bank,2005:169
[4]China National Development and Sub-national Finance.A Review of Provincial Expenditure ,Washington D.C.World Band.2002.
[5] Gerard Roland .Transition and Economics,The MTT Press,2000.
[6] Nicholas Lardy .China Unfinished Economic Revolution ,Brookings Institution,1998.
[7] President’s Commission on Industrial Competitiveness, Global Competition: The New’s Reality Washington D.C , U.S. ,Government Printing Office,1985.
[8] Caron ,A.S.Plight of the thrift institutions, Washington, D.C. Brookings institution, 1982.
[9] Standard &Poor’s ,Sovereign Credit Ratings :A Printer, December 1998.
[10] Segal,IlyaR Monopoly and Soft Budget Constraint ,Rant Journal ofEconomics,Autumn,1998.