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MBA毕业论文_业银行绿色信贷策略优化研究-以中国农业银行HD分行为例PDF

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I 摘要 改革开放以来,我国工业化建设和经济发展取得了举世瞩目成就,但与其他 发达国家类似,随着工业化进程的不断推进,环境污染问题日益突出,逐渐成为 了严重限制国内经济及社会可持续发展的主要因素之一。因此大力发展绿色信贷, 是鼓励和引导资金流入促进环保的企业及机构,实现经济与环境的协调可持续发 展的切实可行之举。 本文以绿色信贷的相关理论和国外先进做法为基础,结合研究生期间所学理 论知识对商业银行发展绿色信贷的必要性和策略进行了详细分析,同时,选取中 国农业银行HD分行绿色信贷发展情况进行研究,剖析发展中存在的问题,并根 据自身经验和国内现状提出了优化改善的建议,得出以下结论: (1)当前我国正处于产业结构调整的重要转型期间,商业银行应当与时俱进, 高度重视这次机遇,充分参与到市场中来。通过学习国内外先进经验做法,培养 一支懂业务懂产品懂风险的人才和团队,加快绿色信贷金融产品创新,为市场提 供更优惠、更全面的金融服务。 (2)国内商业银行之间应当建立统一且科学的考评体系,规范绿色信贷业务 行业政策,创新业务产品,并完善风险管理体系,通过多方协作为全社会提供全 面的绿色信贷服务。 (3)政府和监管部门应当加快绿色信贷法律建设,改善金融生态环境,打通 金融和环保系统之间的信息共享通道,并且完善奖惩机制,提供更加透明,更加 公正的市场环境。 关键词:绿色信贷;商业银行;信贷业务管理;策略优化 Abstract II Abstract Sincethereformandopeningup,China'sindustrializationandeconomic developmenthavemaderemarkableachievements,butsimilartootherdeveloped countries,withthecontinuousprogressofindustrialization,environmentalpollution hasbecomeincreasinglyprominent,andhasgraduallybecomeoneofthemajorfactors thatseriouslyrestrictthesustainabledevelopmentofdomesticeconomyandsociety. Therefore,vigorousdevelopmentofgreencreditisapracticalmeasuretoencourage andguidetheinflowoffundsintoenterprisesandinstitutionsthatpromote environmentalprotectionandachievecoordinatedandsustainabledevelopmentof economyandenvironment. Basedonthetheoryofgreencreditandtheadvancedpracticesabroad,thispaper makesadetailedanalysisofthenecessityandstrategyofdevelopinggreencreditfor commercialbanksincombinationwiththetheoreticalknowledgelearnedduringthe postgraduateperiod.Atthesametime,itchoosesthedevelopmentofgreencreditof HDBranchofAgriculturalBankofChinatostudy,analysestheexistingproblemsin thedevelopment,andputsforwardtheadvantagesbasedonitsownexperienceandthe currentsituationinChina.Suggestionsforimprovementareasfollows: (1)Atpresent,Chinaisinanimportantperiodofindustrialrestructuring. Commercialbanksshouldkeeppacewiththetimes,attachgreatimportancetothis opportunityandfullyparticipateinthemarket.Throughlearningtheadvanced experienceandpracticesathomeandabroad,wecantrainateamofpeoplewho understandbusinessandproductrisks,speeduptheinnovationofgreencredit financialproducts,andprovidemorepreferentialandcomprehensivefinancialservices forthemarket. (2)Domesticcommercialbanksshouldestablishaunifiedandscientific evaluationsystem,standardizegreencreditindustrypolicies,innovatebusiness products,andimproveriskmanagementsystem,andprovidecomprehensivegreen creditservicesforthewholesocietythroughmulti-partycooperation. (3)Thegovernmentandregulatoryauthoritiesshouldspeedupthelegal constructionofgreencredit,improvethefinancialecologicalenvironment,openthe channelsofinformationsharingbetweenfinancialandenvironmentalprotection Abstract III systems,andimprovetherewardandpunishmentmechanismtoprovideamore transparentandfairmarketenvironment.incethereformandopeningup,China's industrializationandeconomicdevelopmenthavemaderemarkableachievements,but similartootherdevelopedcountries,withthecontinuousprogressofindustrialization, environmentalpollutionhasbecomeincreasinglyprominent,andhasgraduallybecome oneofthemajorfactorsseriouslylimitingthesustainabledevelopmentofdomestic economyandsociety.Therefore,vigorouslydevelopinggreencreditisafeasible measuretoencourageandguidetheinflowoffundsintoenterprisesandinstitutionsto promoteenvironmentalprotectionandrealizethecoordinatedandsustainable developmentofeconomyandenvironment. Keywords:CommercialBank;Green-CreditPolicy;CreditBussinessManagement; StrategyOptimization 目录 目录 摘要............................................................................................................................I Abstract.....................................................................................................................II 第1章绪论.............................................................................................................1 1.1选题背景及研究意义.................................................................................1 1.1.1选题背景.........................................................................................1 1.1.2研究意义..........................................................................................2 1.2研究思路与方法.........................................................................................5 1.2.1研究思路..........................................................................................5 1.2.2研究方法..........................................................................................5 1.3研究所涉及的定义及理论.........................................................................6 1.3.1相关定义..........................................................................................6 1.3.2相关理论........................................................................................10 1.4国内外理论研究现状...............................................................................11 1.4.1国外研究现状...............................................................................11 1.4.2国内理论研究现状........................................................................12 1.5本文主要创新与不足...............................................................................14 第2章国内外商业银行绿色信贷业务发展情况...............................................15 2.1国外商业银行绿色信贷业务发展情况...................................................15 2.1.1政策发展情况................................................................................15 2.1.2产品发展情况................................................................................15 2.1.3实践情况........................................................................................17 2.1.4整体发展特点................................................................................19 2.2国内商业银行绿色信贷业务发展情况...................................................20 2.2.1政策发展情况................................................................................20 2.2.2实践发展情况................................................................................24 2.2.3整体发展特点........................................................................................30 2.2.4发展成果........................................................................................33 第3章中国农业银行HD分行绿色信贷业务发展研究.....................................35 3.1基本情况介绍...........................................................................................35 3.2绿色信贷业务发展主要做法...................................................................36 目录 3.2.1建立了绿色信贷业务总体目标和原则....36 3.2.2制定了相关行业政策,实行差异化管理....................................37 3.2.3建立了准入退出机制,严格新增准入管理................................37 3.2.4在信贷业务流程中贯彻绿色信贷理念........................................38 3.2.5绿色信贷产品及用途逐渐丰富....................................................39 3.2.6建立了统计与考核管理制度........................................................39 3.2.7加强了绿色信贷业务风险管理....................................................39 3.2.8明确绿色信贷业务组织及人才管理............................................41 第4章中国农业银行HD分行绿色信贷业务发展存在的问题.........................42 4.1绿色信贷规模及行业覆盖面依旧偏小...................................................42 4.2绿色信贷产品品种较少,产品创新力度不足.......................................42 4.3绿色信贷激励机制缺乏..........