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论文编号：	13515
作者编号：	2320200433
上传时间：	2022/12/3 23:06:36
中文题目：	SA银行天津分行绿色金融业务优化研究
英文题目：	The analysis and optimization of Green Financial business of SA Bank Tianjin Branch
指导老师：	张晓农
中文关键字：	绿色金融;商业银行;优化研究
英文关键字：	Green Finance;Commercial Bank;The analysis and optimization
中文摘要：	随着世界及我国的经济和社会飞速发展，环境保护的问题也在日益的暴露出来，绿色发展和可持续发展的紧迫性越发强烈，随着“双碳”目标的提出，全社会、各行业都应该将绿色环保作为发展和改革的新动力。 金融作为社会引导资源的重要手段，与绿色相结合的绿色金融理念已经写入了十九大报告中，商业银行发展绿色金融已经是大势所趋，研究绿色金融业务的优化建议，可以对国内商业银行开展相关业务有一定的借鉴意义，为促进社会的绿色发展带来一定的积极作用。 SA银行是全国重要的股份制商业银行之一，本文以SA银行天津分行作为研究对象，通过文献研究法、比较分析法和案例分析法等研究方法对SA银行天津分行的绿色金融业务开展研究，对银行体系目前可以操作的绿色信贷和绿色债券两个业务板块的业务概况、业务流程、业务规模及激励措施等现状进行了详细整理、分析，并与系统内和天津区域同业进行了比较分析。 论文以SA银行天津分行绿色金融业务的完整业务体系为分析研究逻辑，从组织建设、业务推动、风险防控及激励考核四个阶段找出了SA银行天津分行存在的问题，主要体现在架构及业务流程、项目跟进及集团联动、差异化设置及协同、激励及FTP补贴利用等方面。 在分析和研究相关问题后，本文对SA银行天津分行的绿色金融业务提出了相应的优化策略，主要为优化部门和人员设置、挖掘市场需求和加强集团联动、设置差异化的准入机制及建立有效的风险防范协同、设置差异化的激励机制及充分利用FTP补贴等，相关的优化策略从可落实性、可实施性等角度出发，并提出了实施和保障措施。 本文通过上述研究，丰富了商业银行分行关于绿色金融业务发展的相关策略，可能会对存在类似问题的商业银行分行的业务发展有所启发。
英文摘要：	With the rapid development of economic and social of the world and China, the problems of environment protection are increasingly exposed, and the urgency of green development and sustainable development has become stronger. With the "double carbon" goal proposed, the whole society and all industries should take green environmental protection as the new driving force in development and reform. Finance is an important measure for resources allocation, the concept of green finance has been written in the report of the 19th National Congress of the Communist Party of China. It is a general trend for commercial banks to develop green finance. Studying the optimization of green finance can be a reference for domestic commercial banks to carry out relevant businesses, and it will play a positive role in promoting the green development of the society. SA Bank is one of the important joint-stock commercial banks in China. Taking SA Bank Tianjin Branch as the research object, this thesis studies the green financial business of SA Bank Tianjin Branch through literature research, comparative analysis, case analysis and other research methods. This thesis analyses the operation of current situation、business process、business scale and motivation measures of the green credit and green bond in the banking system, and makes a comparative analysis with other branches in SA bank and different banks in Tianjin. The thesis analyzes the whole process of green business of SA Bank Tianjin branch, identifying the problems existing in organization construction、business promotion、risk prevention and control and motivation assessment, which are mainly reflected in the structure and business process, project management and cooperation among the subsidiary of the group , differential product and collaboration, motivation and FTP subsidy utilization. According to the analysis of relevant issues, this thesis proposes optimization strategies for the green financial business of SA Bank Tianjin Branch, refers to optimize department and team organization, explore the market and strengthen cooperation among the subsidiary of the group, design differentiated access mechanisms, establish effective risk prevention , design differentiated incentive mechanisms and make full use of FTP subsidies. In the end, the thesis put forward the suggestions in order to guarantee the implement, from the perspective of feasibility and enforceability, Through the above research, this thesis enriches the relevant strategies of commercial bank branches on green finance business, which may enlighten the commercial bank branches in developing of green finance with similar problems.
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