商业银行推行绿色信贷存在的问题及对策探讨
摘 要
走绿色发展道路是我国实现经济可持续发展的重要手段，商业银行作为社会的重要资金枢纽，应大力开展绿色信贷，将经济责任与社会责任统一起来。
本论文从绿色信贷的概念和理论基础出发，介绍了国际绿色信贷通行准则——赤道原则，探讨发达国家发展绿色信贷的经营理念和成功措施；用比较分析法对比我国七家代表性商业银行实施绿色信贷的现状；其中重点运用SWOT法分析浦发银行的绿色信贷战略，从中找出我国商业银行推行绿色信贷业务主要存在外部环境和银行自身两大类问题。最后针对这些问题在借鉴发达国家成功经验的基础上提出相应的对策探讨。
对我国商业银行推行绿色信贷政策的探讨具有迫切的现实意义，绿色信贷的开展不仅能够顺应低碳经济发展的要求，使商业银行作为特殊的公众企业承担起更多的社会责任，还能促进商业银行诞生新的经营理念，开拓新的利润增长点。本论文以绿色信贷为研究对象，通过研究国外发达国家推行绿色信贷的经验和分析我国实施绿色信贷的现状，从而得出我国商业银行完善绿色信贷业务存在的问题并提出自己的建议。
关键词： 绿色信贷，商业银行，可持续发展
Commercial Banks to implement green credit problems and countermeasures
ABSTRACT
Green development is an important means of achieving sustainable economic development, commercial bank financing as an important hub for the community, should vigorously carry out the green credit, economic and social responsibilities to unify.
In this paper, the concept and theoretical basis of the starting green credit, introduced the prevailing international green credit guidelines – Equator Principles, developed to explore the development of green credit business philosophy and success measures; contrast representative of seven commercial banks with a comparative analysis of the implementation of green credit status quo; SWOT analysis which focuses on the use of green credit strategy Shanghai Pudong Development Bank, China’s commercial banks to find out the implementation of green credit business mainly in the external environment and the bank’s own two categories of problems. Finally, aiming at these problems, based on the experience of developed countries and discussed the corresponding countermeasures.
To the our country commercial bank to implement green credit policy discussion has urgent practical significance to the development of green credit not only conforms to the requirement of low carbon economy development, the commercial Banks as the special public enterprise take more social responsibility, also can promote the commercial Banks to birth a new management idea, develops the new profit growth point. This paper by green credit as the research object, through the study of experience in the developed countries to implement green credit and analyzes the present situation of our country to implement green credit, thus it is concluded that China’s commercial Banks to perfect the green credit business problems and put forward their own Suggestions.
KEYWORDS：green credit，commercial Banks，the sustainable development
目 录
2 绿色信贷相关理论基础…………………………………….. 4
3 国际绿色信贷的实践与经验…………………………………. 6
3.2 主要发达国家绿色信贷的实践与经验…………………… 6
4 我国商业银行实施绿色信贷现状介绍…………………………. 9
4.1 代表性商业银行推行绿色信贷的现状…………………… 9
4.2 用SWOT法分析浦发银行的绿色信贷战略……………….. 12
4.2.1 浦发银行发展绿色信贷的优势(Strengths）……….. 12
4.2.2 浦发银行发展绿色信贷的劣势(Weaknesses）………. 12
4.2.3 浦发银行发展绿色信贷的机遇(Opportunity）……… 12
4.2.4 浦发银行发展绿色信贷的威胁((Threats）………… 13
4.2.5 基于SWOT分析浦发银行实施绿色信贷的战略选择…… 13
5 我国商业银行推行绿色信贷存在的问题及建议…………………. 14
5.1 我国商业银行推行绿色信贷存在的问题………………… 14
5.2 我国商业银行推行绿色信贷的对策探讨………………… 15
