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河北经贸大学毕业论文I摘要近年来，我国经济迅速腾飞，在十二届全国人大二次会议上，国务院总理李克强在政府工作报告中指出，我国今年经济目标同去年一致，GDP增速预期目标定在7.5%左右，但是随着经济的快速发展，工厂废气废水、汽车尾气的排放也造成了近几年我国严重的环境问题，尤其是2013年及2014年我国京津冀地区频繁出现的连续雾霾天气，已经拉响了警报，提醒我国在重视经济基础发展和建设的同时一定要加大对环境保护问题的关注。但是，目前我国的绿色信贷业务的开展仅仅是处于起步阶段，在实施过程中暴露了诸多问题，这就不得不引起我们对如何稳健高效的开展绿色信贷业务的思考。本文从责任意识，产品创新，内部机制与人才培养等几个方面对我国商业银行实施绿色信贷的具体情况进行了考察，发现了我国商业银行在发展绿色信贷方面存在的不足，并在前人研究的基础上结合作者的具体分析，提出了切实可行的对策，详细的制定了我国商业银行从树立绿色理念，到开展绿色业务，再到后备人才的引进与培养的构建计划。关键词绿色信贷；内部环境；运作机制；可持续发展河北经贸大学毕业论文IIAbstractInrecentyears,China'srapideconomictake-off,inthe12thNationalPeople'sCongresssecondconference,premierLiKeqiangpointedoutinhisgovernmentworkreport,China'seconomicgoalsconsistentwithlastyear,thisyear'sGDPgrowthtargetataround7.5%,butwiththerapiddevelopmentofeconomy,factorywastegaswastewater,tailgasemissionfromcarsalsocausedseriousenvironmentalproblemsinChinainrecentyears,especiallyin2013and2014inbeijing-tianjin-hebeiregionoffrequentcontinuoushazeweather,hassoundedthealarm,remindbasedonimportancetoeconomicdevelopmentandconstructioninChinaatthesametimemustbemoreattentiontotheproblemsofenvironmentalprotection,whiletheinternalbankingoptimizecreditstructureandreducecreditriskacceleratethetransformationofbusinessstrategy,explorenewprofitgrowthpoint.Launchgreencreditbusinessisthetrend,however,ourongoinggreencreditbusinessisjustinitsinfancy,hasexposedmanyproblemsintheimplementationprocess,whichhadcausedustothinkabouthowrobustandefficientstrategyforgreencredit.Inthispaper,severalaspectsofthesenseofresponsibility,productinnovation,personneltrainingandotherinternalmechanismsandthespecificsituationofChina'scommercialbankstoimplementgreencreditwereinvestigatedandfoundthatthelackofcommercialbankcreditinthedevelopmentofgreenareas,andinthepreviousstudiesBasedontheanalysisofspecificbindingoftheauthorandputforwardpracticalmeasurestodevelopadetailedintroductionofChina'scommercialbanksfromestablishingagreenphilosophy,tocarryoutgreenbusiness,tobuildplansandreservepersonneltraining.KeywordsGreenCredit;Internalenvironment;Operatingmechanism;SustainableDevelopment河北经贸大学毕业论文I目录一、研究背景...............................................................................................................................1二、我国商业银行绿色信贷发展现状.....................................2（一）银行、企业等相关单位意识明显加强...............................................................2（二）有关绿色信贷体制初步建立和政府支持...........................................................3（三）商业银行在绿色信贷上取得的成果....................................................................3三、我国商业银行开展绿色信贷业务存在的问题...........................................................4（一）对于履行社会责任的认识不够.............................................................................41.信息披露机制不健全....................................................................................................42.向高产能企业发放贷款...............................................................................................5（二）我国关于绿色信贷的法律政策不完善.................................................................61.我国现行法律政策对绿色信贷利益相关方约束机制不完善...............................62.我国现行法律框架对绿色信贷利益相关方激励机制不完善...............................6（三）相关绿色信贷产品的创新不足.............................................................................6（四）专业人才和专业知识的缺失..................................................................................7（五）业务准入标准不明确...............................................................................................7四、企业绿色信贷评级分析及绿色发展..............................................................................7（一）企业绿色评级指标分析...........................................................................................71.绿色信贷评级模型指标的选取....................................................................................72.绿色信贷模型各指标权重的确定................................................................................8（二）推动企业绿色发展的具体措施.............................................................................91.绿色生产............................................................................................................................92.绿色销售..........................................................................................................................10五、我国商业银行开展绿色信贷业务的建议..................................................................10（一）加强内部环境的建设.............................................................................................101．树立绿色信贷理念...................................................................................................102.建立人才引进和培养机制.........................................................................................10（二）政府应健全绿色信贷保障机制............................................................................111.健全关于绿色信贷的法律保障机制........................................................................112.政府应加大落实节能减排财税激励机制...............................................................11河北经贸大学毕业论文II（三）完善我国商业银行绿色信贷业务运作机制.....................................................111明确业务准入标准......................................................................................