商业银行绿色金融创新发展研究—–以广东商业银行为例

商业银行绿色金融创新发展一以广东商业银行为例目录摘要ABSTRACT........1绪论11.1研究背景…1.2研究目的及意义.1.1.1研究目的1.1.2研究意义21.3研究内容与论文结构1.3.1研究内容.…21.3.2论文结构…31.4研究方法与思路.…1.4.1研究方法31.4.2研究思路.32国内外绿色金融研究概况...52.1基本概念…52.1.1绿色金融.52.1.2金融创新.…052.1.3金融创新风险..52.2相关理论.52.2.1企业社会责任理论52.2.2赤道原则62.2.3环境风险管理理论0…62.3绿色金融创新国内外研究成果2.3.1国外研究成果…62.3.2国内研究成果.。73广东商业银行绿色金融分析…93.1广东商业银行简介…93.2广东商业银行绿色金融业务现状..93.3广东商业银行绿色金融发展存在的问题….103.3.1绿色金融产品种类不够丰富.…103.3.2绿色金融业务占比有待提高..103.3.3绿色金融风险防控体系还需完善.114国外商业银行绿色金融实践经验…124.1国外商业银行绿色金融产品开发.124.2国外商业银行绿色金融业务覆盖.124.3国外商业银行绿色金融风险防控.….135结论与建议.145.1研究结论145.2对策建议.145.2.1借鉴国外经验深化绿色金融产品创新….145.2.2拓展绿色金融覆盖范围和覆盖纵深..155.2.3完善绿色金融风险评估机制和防控体系…15参考文献.16致谢..18摘要在较长一段时间里，全球经济的高速发展付出了较大的环境代价，造成严重的环境污染和可持续发展问题。关注人类的可持续发展，绿色金融理念应运而生，在国际上的影响力持续扩大，并迅速成为全球环境管理的一种新手段，代表着未来金融业发展的新趋势。我国于2016年正式提出绿色金融发展战略，并于2017年在全国设立了绿色金融试点试验，目前取得较大成绩，绿色金融环境效益日益明显，但绿色金融在我国还处于探索性发展阶段，与传统金融相比还存在很多不够完善的地方。本文认为，广东商业银行绿色金融虽然所取得的成绩处于国内前列，但整体上还较为传统，与国际发达国家和地区绿色金融业务相比还存在较大差距，主要表现在绿色金融产品创新、业务开发、业务拓展、风险防控等方面，其中风险防控体系存在的问题较为突出，基本依托于传统金融业务风险防控经验，与绿色金融业务契合度不足。本文建议，广东商业银行在绿色金融业务发展中，还需要加强产品创新工作，开发更为多样的针对性的绿色金融产品，扩大绿色金融业务的覆盖范围，尽可能的从传统金融产品中脱离出来，提升绿色金融业务比重，同时还要注重绿色金融风险评估机制和防控体系建设，深入分析绿色金融的特征，建立起相应的预前评估管理、预后监测跟踪的多维联动风险防控机制和体系。关键词：绿色金融：广东商业银行：创新发展：创新对策ABSTRACTFor a long time,the rapid development of the global economy has paid a greatenvironmental price,resulting in serious environmental pollution and sustainabledevelopment.Focusing on the sustainable development of mankind,the concept ofgreen finance came into being,its influence in the world continued to expand,andquickly became a new means of global environmental management,representing thenew trend of the development of the financial industry in the future.China formallyput forward the development strategy of green finance in 2016,and set up a pilot testof green finance in 2017.At present,great achievements have been made,and theenvironmental benefits of green finance are becoming increasingly obvious.However,green finance is still in the exploratory development stage in China,and there are stillmany imperfections compared with traditional finance.This paper holds that although the achievements of green finance of Guangdongcommercial banks are at the forefront of China,they are still relatively traditional onthe whole.Compared with the green finance business of international developedcountries and regions,there is still a large gap,mainly in the aspects of green financialproduct innovation,business development,business expansion and risk preventionand control.Among them,the problems existing in the risk prevention and controlsystem are more prominent,which basically relies on the risk prevention and controlexperience of traditional financial business,Insufficient fit with green financebusiness.This paper suggests that in the development of green financial business,Guangdong commercial banks also need to strengthen product innovation,developmore diversified targeted green financial products,expand the coverage of greenfinancial business,separate from traditional financ