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商业银行绿色信贷创新研究——以中国工商银行为例摘要改革开放以来，我国经济发展矛盾与环境恶化问题日益显露，给民众的生活带来较大影响。作为国家调控经济核心的商业银行，在经济运行的同时应注意协调好对环境的保护。在此背景下，商业银行催生了一个强有劲的“绿色信贷”体系，推动经济低碳发展。通过绿色新颖贷款形式及新型信贷产品策略，引导金融资源绿色配置，合理控制环境风险与信贷风险，为进一步推广可持续发展理念和创新低碳金融产品具有积极性影响。本文通过阐述绿色信贷来源特征以及相关理论支撑，对我国商业银行绿色信贷发展现状进行分析，以中国工商银行为例，研究创新存在的问题，一方面汲取国外银行先进经验，另一方面与国内其他商业银行对比实践体验，从成功尝试中借鉴经验,以期为中国工商银行绿色信贷业务的创新发展提供一些可行可靠的思路。关键词：商业银行；绿色信贷；创新低碳金融I
Researchongreencreditinnovationofcommercialbanks--TakeIndustrialandCommercialBankofChinaasanexampleAbstractWiththereformandopeningup,thecontradictionsinChina'seconomicdevelopmentandenvironmentaldegradationhavebecomeincreasinglyapparent,whichhashadagreaterimpactonpeople'slives.Asthecoreofthecountry'seconomicregulationandcontrol,commercialbanksshouldpayattentiontocoordinatingtheprotectionoftheenvironmentwhiletheeconomyisoperating.Againstthisbackground,commercialbankshavespawnedastrong“greencredit”systemtopromotelow-carboneconomicdevelopment.Throughgreenandnovelloanformsandnewcreditproductstrategies,guidethegreenallocationoffinancialresources,reasonablycontrolenvironmentalrisksandcreditrisks,andplayanactivepartinfurtherboostingtheconceptofgreeneconomyandinnovatinglow-carbonfinancialproducts.Thisarticleanalyzestheoriginofgreencreditandinterrelatedtheories,elaboratesthecurrentstatusofgreencreditdevelopmentinChina'scommercialbanks,andtakestheIndustrialandCommercialBankofChinaasanexample.Foronething,itgainstheadvancedexperiencefromforeignbanks,foranother,itcompareswithotherdomesticbanks,learningfromthepracticalexperiencesanddrawlessonsfromsuccessfulattemptsandimprovementsuggestions,withaviewtoprovidingsomefeasibleideasfortheinnovativedevelopmentofICBC'sgreencreditbusiness.Keywords：Commercialbanks;Greencredit;Innovationinlow-carbonfinanceII
目录摘要..............................................................................................................................................IAbstract............................................................................................................................................II一、绪论.........................................................................................................................................1（一）研究背景及意义...........................................................................................................1（二）文献综述.......................................................................................................................1（三）研究内容及方法...........................................................................................................1二、绿色信贷相关理论概述...........................................................................................................2（一）绿色信贷的起源与内涵...............................................................................................21.绿色信贷的起源...........................................................................................................22.绿色信贷的内涵...........................................................................................................2（二）绿色信贷基本特征.......................................................................................................21.是否符合可持续发展是发放贷款的前提...................................................................22.绿色信贷源自于银行业社会责任意识.......................................................................33.实行直接性预防与间接性调控的管理方式...............................................................3（三）绿色信贷的理论基础...................................................................................................31.可持续发展理论...........................................................................................................32.企业社会责任理论.......................................................................................................3三、国内外绿色信贷发展现状分析...............................................................................................4（一）国内商业银行绿色信贷发展现状...............................................................................41.我国绿色信贷政策.......................................................................................................42.我国商业银行绿色信贷业务开展情况.......................................................................4（二）赤道原则与国外商业银行绿色信贷发展概况...........................................................51.赤道原则.......................................................................................................................52.德国绿色信贷发展.......................................................................................................53.美国绿色信贷发展.......................................................................................................64.英国绿色信贷发展.......................................................................................................6四、中国工商银行绿色信贷业务的创新分析...............................................................................6（一）中国工商银行绿色信贷业务开展情况.......................................................................6（二）中国工商银行绿色信贷业务创新的SWOT分析.........................................................8