绿色金融视角下的我国商业银行可持续发展研究
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摘要
近年来伴随着GDP高速增长的同时,我国对能源及资源的消耗急剧增加,对环境的破坏程度日趋严重,这与可持续的科学发展观相悖。在这种经济发展和生态环境不和谐的背景下,绿色金融应运而生,它强调将环境、生态指标纳入金融可持续发展体系。因此商业银行作为资金融通的枢纽,在可持续发展中扮演的角色日益重要。一方面,环境问题使商业银行面临着各种环境风险,不仅威胁到银行的信贷资产安全,银行声誉也受到极大损失,严重阻碍了商业银行的可持续发展。另一方面,商业银行可以通过自身运营来引导资金流向那些能够促进我国可持续发展的产业和企业,并从中发现商机,来实现自身的可持续发展。
论文采用比较分析、定性分析、实证分析和博弈分析等研究方法,以我国商业银行为研究对象,主要研究了绿色金融背景下我国商业银行可持续发展问题。首先,通过分析发现,环境风险的存在严重阻碍了商业银行的可持续发展,而绿色金融投资为商业银行实现可持续发展带来商机,因此商业银行推行绿色金融对实现其可持续发展具有重大意义。然后,从绿色金融角度对我国商业银行可持续发展现状进行分析,发现存在由环境问题引起的不良资产巨大、环境风险防控不足、绿色金融工具创新力弱等问题。最后,对商业银行实现可持续发展提出对策建议,在可持续发展理论、商业银行可持续发展理论、绿色金融理念和博弈理论的指导下,构建一个以绿色信贷为支柱,绿色金融创新和绿色金融文化为保障机制的商业银行可持续发展模型,三者合力实现商业银行可持续发展,并促进商业银行、自然、社会的良性循环与和谐发展。
In recent years, accompanied by rapid GDP growth, China's energy and resource consumption increased rapidly and the extent of damage to the environment was getting more serious. It went against the concept of sustainable and scientific development. The economic development and the ecological environment are not harmonious,so green finance was proposed. It stressed that the environment, the ecology target may integrate the financial sustainable development system. As a financing hub, commercial banks play an increasingly important role in the context of sustainable development. On the one hand, commercial banks face a variety of environmental risks. They not only threaten the safety of bank credit assets, banking reputation has also been a great loss. They hinder the sustainable development of commercial banks. On the other hand, commercial banks can guide capital to the industries and enterprises which can promote sustainable development and can find opportunities to achieve their own sustainable development.
In this thesis, it used the research methods of comparative analysis, qualitative analysis,empirical analysis and game analysis and so on. This thesis went into a new field of the sustainable development of China's commercial banks and analyzed that how commercial banks could achieve sustainable development by green finance. First of all, we found that the existence of environmental risks was seriously hampering the sustainable development of commercial banks and green financial investment brought business opportunities for commercial banks. So green finance had great significance to the sustainable development of commercial banks. Secondly, from the perspective of Green Finance, it analyzed the status quo of the sustainable development of commercial banks and found that commercial banks had a huge non-performing assets, insufficient prevention and control of environmental risks, weak innovation of green financial instruments and so on. Finally, under the guidance of sustainable development theory, commercial banks’sustainable development theory, green financial concepts and game theory, it built a model which used green credit, green culture and green financial innovation as a framework to provide countermeasures and proposals for the sustainable development of China's commercial banks and to accomplish harmonious development of the commercial banks, the nature and the society.
论文采用比较分析、定性分析、实证分析和博弈分析等研究方法,以我国商业银行为研究对象,主要研究了绿色金融背景下我国商业银行可持续发展问题。首先,通过分析发现,环境风险的存在严重阻碍了商业银行的可持续发展,而绿色金融投资为商业银行实现可持续发展带来商机,因此商业银行推行绿色金融对实现其可持续发展具有重大意义。然后,从绿色金融角度对我国商业银行可持续发展现状进行分析,发现存在由环境问题引起的不良资产巨大、环境风险防控不足、绿色金融工具创新力弱等问题。最后,对商业银行实现可持续发展提出对策建议,在可持续发展理论、商业银行可持续发展理论、绿色金融理念和博弈理论的指导下,构建一个以绿色信贷为支柱,绿色金融创新和绿色金融文化为保障机制的商业银行可持续发展模型,三者合力实现商业银行可持续发展,并促进商业银行、自然、社会的良性循环与和谐发展。
In recent years, accompanied by rapid GDP growth, China's energy and resource consumption increased rapidly and the extent of damage to the environment was getting more serious. It went against the concept of sustainable and scientific development. The economic development and the ecological environment are not harmonious,so green finance was proposed. It stressed that the environment, the ecology target may integrate the financial sustainable development system. As a financing hub, commercial banks play an increasingly important role in the context of sustainable development. On the one hand, commercial banks face a variety of environmental risks. They not only threaten the safety of bank credit assets, banking reputation has also been a great loss. They hinder the sustainable development of commercial banks. On the other hand, commercial banks can guide capital to the industries and enterprises which can promote sustainable development and can find opportunities to achieve their own sustainable development.
In this thesis, it used the research methods of comparative analysis, qualitative analysis,empirical analysis and game analysis and so on. This thesis went into a new field of the sustainable development of China's commercial banks and analyzed that how commercial banks could achieve sustainable development by green finance. First of all, we found that the existence of environmental risks was seriously hampering the sustainable development of commercial banks and green financial investment brought business opportunities for commercial banks. So green finance had great significance to the sustainable development of commercial banks. Secondly, from the perspective of Green Finance, it analyzed the status quo of the sustainable development of commercial banks and found that commercial banks had a huge non-performing assets, insufficient prevention and control of environmental risks, weak innovation of green financial instruments and so on. Finally, under the guidance of sustainable development theory, commercial banks’sustainable development theory, green financial concepts and game theory, it built a model which used green credit, green culture and green financial innovation as a framework to provide countermeasures and proposals for the sustainable development of China's commercial banks and to accomplish harmonious development of the commercial banks, the nature and the society.
引文
①孙洪庆.构建绿色金融体系[J].环渤海经济瞭望,2001(6):38-39.
①马传栋.可持续发展经济学[M].山东人民出版社, 2002.
①白钦先.金融可持续发展研究导论[M].中国金融出版社,2002(1):136-141.
①王军华.论金融业绿色革命[J].生态经济,2000(10):45-48.
①王玉婧,江航翔.环境风险与绿色金融[J].天津商学院学报,2006(6):16-20.
①Marcel J. Sustainable finance and banking the financial sector and the future of the planet[M]. London Earthscan Publication. Ltd, 2001.
①陈雁.绿色信贷:金融服务调控环保行为的新篇章[J].经济政策,2008(4):20-22.
①Marcel J. Sustainable finance and banking the financial sector and the future of the planet[M]. London Earthscan Publication. Ltd, 2001.
①常子轩,何向亮.试论银行环境审查义务的确立[J].中国发展,2004(1):47-51.
①李山梅,赵昱博.纳入环境因素的绩效审计与评价探索[J].绿色经济, 2007.
①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):4-9.
①邓聿文.为企业节能减排构筑“绿色信贷”[N].上海证券报,2007:7.
①陈剑瑞,刘吉鹏,沙文兵.我国实行银行业绿色管理的意义[J].经济论坛,2005(15) :89-90.
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①马传栋.可持续发展经济学[M].山东人民出版社, 2002.
①白钦先.金融可持续发展研究导论[M].中国金融出版社,2002(1):136-141.
①王军华.论金融业绿色革命[J].生态经济,2000(10):45-48.
①王玉婧,江航翔.环境风险与绿色金融[J].天津商学院学报,2006(6):16-20.
①Marcel J. Sustainable finance and banking the financial sector and the future of the planet[M]. London Earthscan Publication. Ltd, 2001.
①陈雁.绿色信贷:金融服务调控环保行为的新篇章[J].经济政策,2008(4):20-22.
①Marcel J. Sustainable finance and banking the financial sector and the future of the planet[M]. London Earthscan Publication. Ltd, 2001.
①常子轩,何向亮.试论银行环境审查义务的确立[J].中国发展,2004(1):47-51.
①李山梅,赵昱博.纳入环境因素的绩效审计与评价探索[J].绿色经济, 2007.
①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):4-9.
①邓聿文.为企业节能减排构筑“绿色信贷”[N].上海证券报,2007:7.
①陈剑瑞,刘吉鹏,沙文兵.我国实行银行业绿色管理的意义[J].经济论坛,2005(15) :89-90.
[1]王原声.金融发展与经济可持续发展的关系研究[D].青岛:中国海洋大学, 2004.
[2]于萍.发展循环经济促进可持续发展[J].科技发展,2005(2):25-27.
[3]张文中.绿色金融:现状、问题与趋势[J].新疆财经, 2005(6):38-43.
[4]于永达,郭沛源.金融业促进可持续发展的研究与实践[J].环境保护,2003(12):1-7.
[5] The sustainable finance in China: Progress and Future.
[6]孙洪庆.构建绿色金融体系[J].环渤海经济瞭望,2001(6):38-39.
[7]朱达.经济结构调整与环境政策走向[J].环境保护,1998(11):25-26.
[8]王金南,等.环境投融资战略[M].中国环境出版社,2003.
[9]陈雁.绿色信贷:金融服务调控环保行为的新篇章[J].经济政策,2008(4):20-22.
[10]何昌.金融可持续发展实现研究[D].沈阳:辽宁大学, 2005.
[11]马传栋.可持续发展经济学[M].山东人民出版社, 2002.
[12]梁山等.生态经济学[M].中国物价出版社,2002.
[13]左玉辉.环境经济学[M].高等教育出版社,2003:149-152.
[14]徐加胜.关于商业银行可持续发展问题的思考[J].理论前沿, 2006(7):38-39.
[15]白钦先.金融可持续发展研究导论[M].中国金融出版社,2002(1):136-141.
[16]王军华.论金融业绿色革命[J].生态经济,2000(10):45-48.
[17]欧阳瑞.从生态经济学的发展谈绿色金融[J].金融与经济,2005(6):54-55.
[18]李树.金融业的绿色革命及其实施的策略选择[J].商业研究,2002(3):79- 82.
[19] Economy, E and Lieberthal K,2007. Scorched Earth: Will Environmental Risks in China Overwhelm Its Opportunities? Harvard Business Review. June, 88-96.
[20]高建良.绿色金融与金融可持续发展[J].哈尔滨金融高等专科学校学报,1998(4):17-19.
[21] UNEP Statement by Financial Institutions on the Environment & Sustainable Development.(As Revised-May 1997).www.unepfi.org.
[22] Finance and Environment,www.equator-principles.com.
[23] Carse D. Environmental issues institutions for financial institutions in Hong- Kong[J]. Business Review, 2000, 108: 56-61.
[24]彭金玉.浙江银行业在可持续发展中的作用[J].金融与保险,2003(3):20-22.
[25]惠东旭.绿色金融[J].商业时代,2002(9):28-29.
[26]朱新蓉.论金融环境的可持续性[J].中南财经大学学报,2004 (11):58-61.
[27]张雪兰,何德旭.加快构建商业银行“绿色信贷”机制[J].中国金融,2008(5):36-37.
[28]陈雁.绿色信贷推动经济社会可持续发展[J].财经纵横,2008(5):25-27.
[29]肖晓春.警惕银行信贷的环境风险[J].商业银行,2007:67-68.
[30]何建奎,江通,王稳利.“绿色金融”与经济可持续发展[J].绿色经济,2004(6):78-81.
[31] Marcel J. Sustainable finance and banking the financial sector and the future of the planet[M]. London Earthscan Publication. Ltd, 2001.
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