题目：国有商业银行绿色信贷发展问题研究-以浙江三家上市公为例摘要绿色信贷表示在节能减排、环保基础上发放贷款，进而加快经济稳定发展。银监会非常关注金融支持的生态文明建设活动，将绿色信贷当做方式，创造完善的绿色信贷政策系统，进而全面引导银行产业金融组织发展绿色信贷。近期,伴随浙江省经济的持续发展,资源环境等众多问题更加严重,经济发展与生态平衡之间的纠纷无法调和。在上述局势下,"绿色信贷"成为重要的方式，利用信贷方式加快节能减排、可持续发展的环境经济政策的宣传和普及。本文主要使用经济学有关知识研究地区商业银行发展遇到的阻碍和相关因素，在筹集、汇总、学习前人文献内容的前提下，对此类银行绿色信贷的发展风险进行深入分析。利用对比绿色与传统信贷之间的差异，研究出绿色信贷的特征，便于此后对绿色信贷进行全面分析。关键词：绿色信贷，商业银行，节能减排，业务发展ABSTRACTGreencreditreferstotheissuanceofloansonthepremiseofenergy-savingandemissionreductionandenvironmentalprotection,inordertopromotethesustainabledevelopmentoftheeconomy.TheCBRCattachesgreatimportancetotheconstructionofecologicalcivilizationsupportedbyfinancialsupport.Itmainlyfocusesongreencreditasameanstobuildhealthygreencreditpolicysystem,andvigorouslyguidebankingfinancialinstitutionstodevelopgreencredit.Inrecentyears,withtherapiddevelopmentofZhejiang'seconomyandsociety,theseriousshortageofresourcesandenvironmentisbecomingmoreandmoreserious.Thecontradictionbetweeneconomicdevelopmentandecologicalbalanceisbecomingincreasinglyprominent.Undersuchcircumstances,"greencredit"hasbeenpromotedasanenvironmentalandeconomicpolicytopromoteenergysavingandemissionreductionandachievesustainabledevelopmentthroughcreditmeans.Basedonthetheoryofeconomics,thispaperanalyzestheobstaclesandcausesofthedevelopmentofcommercialbanksinourprovince,andmakesadetailedresearchonthemainrisksofgreencreditofcommercialbanksbasedoncollecting,sortingoutanddrawingonotherscholars'literature.Bycomparingthedifferencebetweenthegreencreditandthetraditionalcredit,thecharacteristicsofthegreencreditareanalyzed,andthefurtherresearchonthegreencreditiscarriedout.Keywords:Greencredit,commercialbanks,energysavingandemissionreduction,businessdevelopment目录................................................................................................................................................5....................................................................................................................................5.....................................................................................5.....................................................................................6.................................................................................................8.........................................................................................................8.................................................................................................8......................................................10...........................................................................................................10...........................................................................................11...................................................................................11...........................................................................................................13..........................................................
