中国工商银行绿色金融发展研究

摘 要

在环境问题愈发严峻的时代背景下，发达国家逐渐开始关注环保事业的发展，低碳经济在此过程中崭露头角，绿色金融在国际上的关注度也因此越来越高。我国积极跟随探索绿色发展的潮流，通过中共中央发布“第十三个五年计划”正式确立了绿色发展的理念。我国在全面进行环境治理的过程中，巧妙运用绿色金融来走经济可持续发展道路，将会有效调节经济发展与环境的矛盾。作为我国金融业主力军的绿色金融，在未来必然会成为银行与金融机构转型的重要方向。然而近些年我国商业银行绿色金融虽发展迅猛，但在此过程中仍有许多困难需要各个行业共同克服，携手进步。本文针对绿色金融在商业银行发展中存在的问题，以工商银行为例提出可行性建议，以期促进工商银行以及整个银行业绿色金融的健康发展。

关键词：绿色金融 可持续发展 商业银行 工商银行

Abstract

In the background of more and more severe environmental problems, developed countries have gradually begun to pay attention to the development of environmental protection. Low carbon economy has come to the fore in this process, and the green finance has become more and more high in international attention. China has actively followed the trend of exploring green development, and formally established the concept of green development through the "thirteenth five years plan" issued by the Central Committee of the Communist Party of China. In the process of comprehensive environmental governance, our country skillfully uses green finance to take the road of sustainable economic development, which will effectively regulate the contradiction between economic development and the environment. As the main force of China's financial industry, green finance will become an important direction of transformation of banks and financial institutions in the future. However, in recent years, the green finance of commercial banks in China is developing rapidly, but there are still many difficulties in this process that all industries need to overcome together and make progress together. In view of the problems existing in the development of green finance in commercial banks, this paper puts forward some feasible suggestions for industrial and commercial banks as an example, in order to promote the healthy development of the green finance of the industrial and commercial banks and the whole banking industry.

Key Words：Green Finance  sustainable development  commercial bank  Industrial and Commercial Bank of China

目  录

摘 要 I

Abstract II

一 绪论 1

（一）研究背景 1

（二）研究意义 1

（三）研究方法和目的 1

二 绿色金融概述 2

（一）绿色金融简介 2

1、绿色金融的概念 2

（二）国内外绿色金融发展概况 3

（三）行业现状分析 3

三 工商银行绿色金融发展及风险问题研究 5

（一）业务简介 5

（二）工商银行绿色金融业务发展现状 5

（三）工商银行绿色金融发展中存在的问题 7

1、发展基础薄弱 7

2、产品和服务形式单一 7

3、组织体系不完善 7

4、专业能力不足 7

5、发展缺乏激励机制 8

四 促进工商银行绿色金融发展的可行性建议 9

（一）工商银行自身层面的改善 9

1、夯实绿色金融发展基础 9

2、丰富绿色金融产品和服务 9

3、培养绿色金融专业人才 9

（二）政府相关部门的支持 10

1、制定并完善相关法律法规 10

2、建立有效的激励机制 10

3、加强银行与环保部门的信息交流合作 10

五 结论 12

参考文献 13