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论文编号：	14040
作者编号：	2320200461
上传时间：	2023/6/7 23:09:10
中文题目：	B银行绿色信贷风险管理优化研究
英文题目：	Research on Green Credit Risk Management Optimization of B Bank
指导老师：	古志辉教授
中文关键字：	绿色信贷；风险管理；环境保护；赤道原则；可持续发展
英文关键字：	Green Credit;Risk Management;Environmental Protection;Equator Principle;Sustainable Development
中文摘要：	近年来，随着“碳达峰”、“碳中和”等理念的提出，中国银行业绿色信 贷服务建设引起了各方重视，作为当前金融机构获取经济效益的新方式，绿色 信贷既适应了可持续发展的社会环保要求，又为积极推动此项业务的金融机构 提供了正面的社会影响。然而，当前国内绿色信贷依旧处于初步发展的时期， 在绿色信贷风险管理机制方面仍存问题，比如国内绿色信贷风险管理制度尚不 健全，绿色信贷发展精细化不够，与政策衔接存在一定脱节，金融授信业务对 绿色属性反映不充分，金融服务市场导向性不足，对绿色资源配置并不够合理。 商业银行对绿色产业资金投入过大、投资周期较长、收益见效慢，且绿色产业 对信贷资金的依赖性也较强，资金回收缓慢，增加了商业银行信贷风险。又如 企业信息披露相关规定存在漏洞，企业部分数据披露不完整，披露标准存在差 异，造成多方面数据对比存在困难，环境污染等情况并未纳入征信，信息分散 不集中，也影响了绿色信贷服务的畅通，不利于绿色信贷的发展。 本文主要采取文献分析法、案例分析法、问卷调查法、WBS—RBS 风险识 别矩阵法等手段，分析和阐释绿色信贷及其风险管理发展现状和研究情况，并 以 B 银行为例，通过与领导、专家以及业务和风险管理相关人员的交流，运用 数据模型等工具，识别和评估对绿色信贷业务发展过程影响较大的风险问题， 综合分析其成因，找到当前绿色信贷风险管理流程及保障体系存在的漏洞和不 足，以此为基础，从丰富风险识别方法、提高风险评估效率和完善风险控制体 系机制等方面提出绿色信贷风险管理流程优化策略，从健全多元化风险识别保 障机制、执行标准化风险评估保障机制、建立全方位风险控制保障机制等方面 提出绿色信贷风险管理保障体系优化策略，帮助 B 银行进一步健全风险管理体 系，妥善做好风险应对和监督，实现有效风险控制的目标。 本文将绿色信贷业务作为新发展时期特色产业，以绿色信贷业务特点为依 据，以金融科技为抓手，将商业银行自身特点与社会和经济环境背景结合起来， 创新提出符合时代发展潮流和针对性的风险管理方法，为绿色信贷发展进程中 风险隐患的排除和治理提供了新的解决思路，在一定程度上能够有效规避绿色 信贷业务风险，对加快商业银行绿色信贷业务风险管理有着十分积极的意义。
英文摘要：	In recent years, with the concept of "carbon peak" and "carbon neutrality" put forward, the construction of green credit service in China's banking industry has attracted the attention of all parties. As a new way for financial institutions to obtain economic benefits, green credit not only meets the social and environmental requirements of sustainable development, but also provides a positive social impact for financial institutions that actively promote this business. However, at present, China's green credit is still in the initial stage of development, and there are still some problems in the green credit risk management mechanism. For example, the domestic green credit risk management system is not perfect, the development of green credit is not refined enough, and there is a certain disconnection between green credit and policy, the financial credit business does not fully reflect the green attribute, and the financial service market is not sufficiently oriented. The allocation of green resources is not reasonable. Commercial banks invest too much in the green industry, the investment cycle is long, and the return effect is slow. Moreover, the green industry is strong dependence on credit funds, and the fund recovery is slow, which increases the credit risk of commercial banks. For another example, there are loopholes in relevant regulations on corporate information disclosure, incomplete disclosure of some corporate data, and differences in disclosure standards, resulting in difficulties in the comparison of various data, environmental pollution and other cases are not included in credit investigation, and information is not centralized, which also affects the smooth flow of green credit services and is not conducive to the development of green credit. This thesis mainly adopts the methods of literature analysis, case analysis, questionnaire, WBS-RBS risk identification matrix, etc., to analyze and explain the development status and research situation of green credit and its risk management. Taking B Bank as an example, through the communication with leaders, experts, business and risk management personnel, using data model and other tools, Identify and assess the risk problems that have a great impact on the development process of green credit business, comprehensively analyze their causes, find out the loopholes and deficiencies in the current green credit risk management process and security system, and on this basis, put forward the green credit risk management process optimization strategy from the aspects of enriching risk identification methods, improving the efficiency of risk assessment and improving the risk control system mechanism. The optimization strategy of green credit risk management guarantee system is proposed from the aspects of perfecting the diversified risk identification guarantee mechanism, implementing the standardized risk assessment guarantee mechanism, and establishing the comprehensive risk control guarantee mechanism, so as to help B bank further improve the risk management system, properly cope with and supervise risks, and achieve the goal of effective risk control. This thesis takes green credit business as a characteristic industry in the newdevelopment period, takes the characteristics of green credit business as the basis, takes fintech as the starting point, combines the characteristics of commercial banks with the social and economic environment background, and innovatively puts forward a risk management method that conforms to the trend of The Times and is targeted. It provides a new solution for the elimination and management of hidden risks in the development process of green credit, which can effectively avoid the risks of green credit business to a certain extent, and has a very positive significance for accelerating the risk management of green credit business of commercial banks.
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