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CommercialBankstoimplementgreencreditproblemsandcountermeasuresABSTRACTGreendevelopmentisanimportantmeansofachievingsustainableeconomicdevelopment,commercialbankfinancingasanimportanthubforthecommunity,shouldvigorouslycarryoutthegreencredit,economicandsocialresponsibilitiestounify.Inthispaper,theconceptandtheoreticalbasisofthestartinggreencredit,introducedtheprevailinginternationalgreencreditguidelines-EquatorPrinciples,developedtoexplorethedevelopmentofgreencreditbusinessphilosophyandsuccessmeasures;contrastrepresentativeofsevencommercialbankswithacomparativeanalysisoftheimplementationofgreencreditstatusquo;SWOTanalysiswhichfocusesontheuseofgreencreditstrategyShanghaiPudongDevelopmentBank,China'scommercialbankstofindouttheimplementationofgreencreditbusinessmainlyintheexternalenvironmentandthebank'sowntwocategoriesofproblems.Finally,aimingattheseproblems,basedontheexperienceofdevelopedcountriesanddiscussedthecorrespondingcountermeasures.Totheourcountrycommercialbanktoimplementgreencreditpolicydiscussionhasurgentpracticalsignificancetothedevelopmentofgreencreditnotonlyconformstotherequirementoflowcarboneconomydevelopment,thecommercialBanksasthespecialpublicenterprisetakemoresocialresponsibility,alsocanpromotethecommercialBankstobirthanewmanagementidea,developsthenewprofitgrowthpoint.Thispaperbygreencreditastheresearchobject,throughthestudyofexperienceinthedevelopedcountriestoimplementgreencreditandanalyzesthepresentsituationofourcountrytoimplementgreencredit,thusitisconcludedthatChina'scommercialBankstoperfectthegreencreditbusinessproblemsandputforwardtheirownSuggestions.KEYWORDS：greencredit，commercialBanks，thesustainabledevelopment目录1绪论..............................................................11.1研究背景及意义..............................................11.2文献综述....................................................21.2.1国外文献综述...........................................21.2.2国内文献综述...........................................22绿色信贷相关理论基础..............................................42.1绿色信贷的内涵..............................................42.2绿色信贷的理论基础..........................................42.2.1可持续发展经济学.......................................42.2.2企业社会责任理论.......................................52.2.3金融创新理论...........................................53国际绿色信贷的实践...
