中国商业银行绿色信贷的发展研究摘要：绿色信贷业务是指商业银行在发放贷款的过程中，将环境和社会风险考虑在内，引导信贷资金走向环保产业，推动经济绿色发展。我国的绿色信贷政策体系正不断完善，规模在不断扩大，但是相对于发达国家来说还是有不小的差距。我国商业银行在发展绿色信贷业务的过程中，仍然存在缺乏界定绿色信贷对象依据、缺乏绿色信贷激励机制、难以获得有效的系统的环保信息、银行自身风险管控不足、相关专业人才缺失、信贷工具缺乏创新等问题。商业银行应该结合赤道原则，可持续发展理论等理论以及发达国家发展的经验来发展绿色信贷业务，如建立健全内外部激励机制、加强对绿色信贷的授信管理和培养和引进专业人才。关键词：绿色信贷；商业银行；可持续发展；赤道原则Research on the development of green credit in China commercial bankAbstract：Green credit business means that commercial banks take into account the environmental and social risks in the process of issuing loans, leading credit funds to the environmental protection industry and promoting the green development of the economy. China's green credit policy system is constantly improving and its scale is expanding, but there is still a big gap compared with developed countries. In the process of developing green credit business, China's commercial banks still have some problems, such as lack of definition of green credit, lack of green credit incentive mechanism, difficult to obtain effective system environmental protection information, lack of bank self risk management and control, lack of related professional talents, lack of credit tools and so on. Commercial banks should combine the theory of equator, the theory of sustainable development and the experience of developed countries to develop green credit business, such as establishing and improving the internal and external incentive mechanism, strengthening the credit management of green credit, and cultivating and in...
