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论文编号：	13670
作者编号：	2320200493
上传时间：	2022/12/5 20:50:20
中文题目：	C商业银行绿色信贷业务发展策略研究
英文题目：	Research on the Development Strategy of Green Credit Business of C Commercial Bank
指导老师：	牛建波
中文关键字：	绿色金融;绿色信贷;商业银行;可持续发展
英文关键字：	Green Finance;Green Credit;Commercial Banks;Sustainable Development
中文摘要：	改革开放以来，我国以资源高消耗、环境高污染的方式换取了经济的高速增长，生态环境问题日益严峻，人民的幸福感也在随之削弱。习近平总书记在省部级主要领导干部学习贯彻十八届五中全会精神专题研讨班开班式上提出要树立大局观、长远观、整体观，坚持节约资源和保护环境的基本国策，推动形成绿色发展方式和生活方式。商业银行在促进我国绿色发展方面肩负着重要使命，通过加大绿色信贷投放，来支持绿色发展、推进生态文明建设，提升人民的幸福感。与此同时，发展绿色信贷也是商业银行进行可持续发展的迫切需要。因此，商业银行在开展绿色信贷过程中，通过不断优化发展理念、产品创新、数据管理、组织架构及风险管控等方面，发挥金融支持实体经济的同时，提升了银行竞争优势，达到自身发展目的。 本文以C商业银行作为研究对象，对其绿色信贷业务的发展进行具体分析。文章的开篇，首先对论文研究背景和意义进行了简要介绍，阐述了绿色信贷的涵义和特点，介绍了目前国内绿色金融的发展现状。并基于绿色信贷理论基础进一步阐述了C商业银行开展绿色信贷业务的背景和动因；其次，通过案例分析法、访谈法和图表分析法对C商业银行开展绿色信贷业务的历程及现状进行深刻剖析，从多个方面总结出C商业银行绿色信贷业务仍面临诸多问题；最后，针对文中C商业银行绿色信贷业务存在的问题及原因，从宏观层面提出发展策略，主要包括运营管理体系的完善策略、数据信息体系的完善策略以及人才队伍建设的完善策略，从微观层面阐述了具体的保障措施，主要包括：风险管理保障，信息平台保障，组织管理保障。 C商业银行绿色信贷业务作为我国该业务发展的缩影，通过对其进行分析，从侧面证实了我国绿色发展已初见成效，针对C商业银行绿色信贷业务存在的问题及对策研究，为C商业银行向绿色银行发展提供了参考，也为我国其他商业银行在绿色金融领域的发展提供借鉴价值。
英文摘要：	Since the reform and opening up, our country has exchanged rapid economic growth by the way of high resource consumption and high environmental pollution. The ecological environment problem is becoming increasingly serious, and people's happiness is weakened. Commercial banks shoulder important missions in promoting green development in our country. By increasing the supply of green credit, commercial banks support green development, promote ecological civilization construction and improve people's happiness. At the same time, the development of green credit is also an urgent need for the sustainable development of commercial banks. Therefore, in the process of carrying out green credit, commercial banks, through the continuous optimization of development concept, product innovation, data management, organizational structure and risk control and other aspects, give full play to financial support for the real economy, improve the competitive advantages of banks and achieve their own development goals. This thesis takes C commercial Bank as the research object and makes a specific analysis on the development of its green credit business. At the beginning of the paper, the background and significance of the research are briefly introduced, the meaning and characteristics of green credit are expounded, and the current development status of green finance in China is introduced. Based on the theory of green credit, the background and motivation of C commercial bank to carry out green credit business are further expounded. Secondly, through the case analysis method, interview method and chart analysis method, the process and current situation of C commercial bank's green credit business are deeply analyzed, and it is concluded that C commercial bank still faces many problems in green credit business from many aspects. Finally, in view of the problems and causes existing in the green credit business of C commercial bank in this paper, development strategies are proposed from the macro level, including the improvement strategy of operation management system, data information system and talent team construction, and specific safeguard measures are elaborated from the micro level, including: Risk management guarantee, information platform guarantee, organizational management guarantee. The green credit business of C commercial bank is the epitome of the development of this business in our country, through the analysis of it, it was confirmed that the initial results in our green development have been achieved in sides, and the research on the existing problems and countermeasures in C commercial bank's green credit business provided reference for C commercial bank to develop green bank. It also provides reference value for our other commercial banks in the field of green finance development.
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