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论文编号：	11457
作者编号：	2320170691
上传时间：	2019/12/16 21:34:02
中文题目：	基于赤道原则的银行可持续发展研究 ——以兴业银行为例
英文题目：	Research on Sustainable Development of Banks Based on Equator Principle——Industrial Bank as an example
指导老师：	齐善鸿
中文关键字：	赤道原则；兴业银行；可持续发展
英文关键字：	Equator Principles; Industrial Bank; Sustainable Development
中文摘要：	摘 要 赤道原则规定使用更科学化、系统化的方式对社会风险、运营环境和融资项目进行监测、管理及评估，协助借贷公司完善环境和社会管理体系，确保融资项目不会对社会、文化遗产、生物多样性和环境产生不可逆的负面作用。可能会对社会发展和环境造成破坏的项目，将不会得到赤道银行的支持。赤道银行这样的做法有一举两得的效果，既提高了自身风险安全系数，又增加了企业在社会风险与环境管理方面的水平。更关键的是，通过企业与银行的合作与努力，可以为社会和环境的可持续发展提供较好的保障，进而推动社会经济的发展。 本文以兴业银行为例，通过对其赤道原则实施下的可持续发展情况进行剖析，运用归纳演绎法，对可持续发展、赤道原则、企业社会责任及利益相关者理论进行研究；运用案例分析法分析兴业银行可持续发展状况，兴业银行经济绩效、社会绩效及环境绩效情况。本文运用可持续发展理论及赤道原则理论及绿色金融理论为基础展开论文研究。 首先，本文从历史发展角度切入，介绍采纳赤道原则十余年来兴业银行的发展情况，总结了其赤道原则的实施情况；依次对其项目融资、与项目关联公司贷款、相关绿色金融概况包括创新业务模式和传统绿色信贷业务及绿色金融专业支持系统、绿色理财产品的创新、碳金融试点的实践、绿色债券的首次发行等研究结果进行了详细地表述。 其次，对兴业银行的可持续发展实践中取得的成功之处进行分析。从其成功之处来看，通过对赤道原则的合理应用，使得兴业银行不仅能够关注到项目存在的环境与社会风险管理问题，还能成为其可持续发展的切入点，为其创造差异化优势；将赤道原则与国家政策相结合，完善绿色信贷管理制度，对客户采用实名制管理，严格监控融资项目，以保障其能够顺利进行，进而大力发展绿色金融，使得其在可持续发展的道路上得到了新的增长点；聚焦中小企业则使得兴业银行客户基础提质扩量，业务规模实现平稳增长。 最后，综合以上分析结果，本文对目前国内商业银行在可持续发展中存在的通病进行了总结，即部分商业银行目标定位存在缺失，不能很好得迎合市场；产品服务不够多样化，创新不足；在风险管理上没有完善的机制以及我国政策、监管上存在缺失。并就这些问题提出了几条对策建议：采用赤道原则，规范金融标准；构建全方位多渠道营销方式，增加产品渠道；开发绿色金融产品，从绿色金融角度实现发展；完善风险管理机制，避免金融风险；国家在政策层面规范指引，建立外部监管体系，进而建立商业银行可持续发展的道路。
英文摘要：	Abstract The Equator Principles require more systematic and scientific tools to assess, manage and monitor environmental and social risks during the construction and operation of financing projects, and assist the borrowing enterprises to establish a sound and effective internal environmental and social management system. Ensure that the project does not have an irreversible negative impact on labor safety, the environment, local communities, biodiversity, and cultural heritage; at the same time, Equatorial Bank will no longer provide financing support for projects that damage the local environment and affect local sustainable development. . Therefore, while elevating its own risk prevention capabilities, Equator Bank has also improved the environmental and social risk management level of its enterprises; more importantly, through the joint efforts of banks and enterprises, it can ultimately guarantee the environment and society of local communities and the entire country. Benefits and promote sustainable economic and social development. Taking Industrial Bank as an example, this paper analyzes the sustainable development under the implementation of its Equator Principle and studies the sustainable development, Equator Principle, corporate social responsibility and stakeholder theory by using inductive deduction method. The case analysis method is used to analyze the sustainable development status of Industrial Bank, and the economic performance, social performance and environmental performance of Industrial Bank. This thesis is based on the theories of sustainable development, equator principles and green finance. Firstly, from the perspective of historical development, this paper introduces the development of Societe Generale Bank in the past ten years, and summarizes the implementation of its Equator Principle. In turn, project financing, project-related company loans, related green finance overview includes innovative business model, traditional green credit business and green finance professional support system. The innovation of unified and green financial products, the practice of carbon finance pilot project and the research results of the first issue of green bonds are described in detail. Secondly, it analyses the successes in the sustainable development practice of Societe Generale Bank. From its success point of view, through the rational application of the Equator Principle, Societe Generale Bank can not only pay attention to the environmental and social risk management problems of the project, but also become the entry point of its sustainable development, create differentiated advantages for it; combine the Equator Principle with the national policy, improve the green credit management system. Degree, real-name management is adopted for customers, and financing projects are strictly monitored to ensure their smooth progress. Further, vigorous development of green finance makes it a new growth point on the road of sustainable development. Focusing on small and medium-sized enterprises makes Societe Generale Bank improve its customer base and expand its business scale to achieve steady growth. Finally, based on the above analysis results, this paper summarizes the common problems existing in the sustainable development of domestic commercial banks, that is, the target orientation of some commercial banks is deficient, and they can not cater to the market well: product services are not diversified, innovation is insufficient; there is no perfect mechanism in risk management as well as me. There are deficiencies in national policy and regulation. And put forward several countermeasures and suggestions on these problems: adopting the equatorial principle to standardize financial standards; building an all-round multi-channel marketing mode to increase product channels; developing green financial products to achieve development from the perspective of green finance; perfecting risk management mechanism to avoid financial risks; standardizing national guidelines at the policy level; Establish the external supervision system, so as to establish the road of sustainable development of commercial banks.
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