我国生态环境质量持续改善，出现稳中向好趋势，但成效并不稳固，生态环 境治理的要求依然十分迫切，环境保护工作是实施国家经济发展战略的重要环 节。 近年以来，社会环境保护中一个方面的重大突破，是以金融调控手段，解决 环境污染问题，而绿色信贷就是运用金融调控手段治理社会环境污染的主要工 具。发展绿色信贷，是商业银行降低信贷风险和优化信贷结构的重要手段，为商 业银行开辟新的利润增长点并形成核心竞争优势，对贯彻落实环境保护和产业升 级的国策具有重大意义。 基于此，本文以L银行绿色信贷业务作为研究对象，通过收集L银行绿色 信贷业务统计数据，分析L银行绿色信贷业务的发展情况、管理机制、典型案例， 找到发展过程中存在的问题，剖析制约发展的深层次原因，提出促进L银行绿色 信贷发展的有效方式和措施。研究有利于L银行降低金融风险，相关政策建议为 其他银行发展绿色信贷业务提供借鉴。 关键词：绿色信贷；商业银行；信贷业务管理；策略优化 工商管理硕士专业学位论文 II Abstract ThequalityofChina'secologicalenvironmentcontinuestoimprove,showinga trendofstabilityandimprovement,buttheresultsarenotstable,therequirementsof ecologicalenvironmentgovernancearestillveryurgent,environmentalprotectionis animportantpartofimplementingthenationaleconomicdevelopmentstrategy. Inrecentyears,amajorbreakthroughinsocialenvironmentalprotectionisthe useoffinancialregulationtosolveenvironmentalpollutionproblems,andgreen creditisthemaintooltousefinancialregulationtocontrolsocialenvironmental pollution.Thedevelopmentofgreencreditisanimportantmeansforcommercial bankstoreducecreditrisksandoptimizecreditstructure.Itopensupnewprofit growthpointsandformscorecompetitiveadvantagesforcommercialbanks.Itisof greatsignificancetoimplementnationalpoliciesforenvironmentalprotectionand industrialupgrading. Basedonthis,thisarticletakesLBank'sgreencreditbusinessasaresearchobject, collectsLBank'sgreencreditbusinessstatisticaldata,analyzesthedevelopment status,managementmechanism,andtypicalcasesofLBank'sgreencreditbusiness, findsproblemsinthedevelopmentprocess,analyzestheconstraintsDeep-seated reasonsfordevelopment,putforwardeffectivemethodsandmeasurestopromotethe developmentofLBank'sgreencreditbusiness.ThestudywillhelpLBanktoreduce financialrisks,andrelevantpolicyrecommendationsprovidereferencesforother bankstodevelopgreencreditbusiness. Keywords:greencredit;commercialbank;creditbusinessmanagement;strategy optimization L银行绿色信贷发展策略研究 III 目录 摘要........................................................................................................................I Abstract.......................................................................................................................II 第1章绪论................................................................................................................1 1.1研究背景及意义..............................................................................................1 1.1.1研究背景................................................................................................1 1.2.2研究意义................................................................................................2 1.2研究内容和创新点..........................................................................................3 1.2.1研究内容................................................................................................3 1.2.2创新点....................................................................................................4 1.3研究方法与技术路线图...................................................................................4 1.3.1研究方法................................................................................................4 1.3.2研究技术路线图....................................................................................5 第2章理论基础与文献综述....................................................................................6 2.1绿色信贷理论...................................................................................................6 2.1.1社会责任理论.........................................................................................6 2.1.2环境风险理论.........................................................................................6 2.1.3赤道原则.................................................................................................6 2.2文献综述..........................................................................................................7 2.2.1国外文献综述........................................................................................7 2.2.2国内文献综述........................................................................................8 2.2.3文献述评..............................................................................................10 第3章L银行绿色信贷业务发展概况及管理机制.................................................11 3.1L银行基本情况简介......................................................................................11 3.2L银行绿色信贷业务发展概况......................................................................12 3.2.1绿色信贷发展规模..............................................................................12 3.2.2绿色信贷质量分析..............................................................................13 3.2.3绿色信贷市场份额..............................................................................14 3.2.4绿色信贷项目结构..............................................................................14 3.2.5绿色信贷产品创新..............................................................................15 3.3L银行绿色信贷业务管理机制研究..............................................................16 3.3.1绿色信贷管理理念..............................................................................16 3.2.2绿色信贷流程管理分析......................................................................17 3.3.3绿色信贷风险管理..............................................................................18 3.4案例分析........................................................................................................20 3.4.1贷前营销调查.......................................................................................20 3.4.2贷中评级授信......................................................................................21 工商管理硕士专业学位论文 IV 3.4.3贷后管理..............................................................................................22 3.4.4案例小结..............................................................................................22 第4章L银行开展绿色信贷业务的SWOT分析.....................................................24 4.1内部优势分析................................................................................................24 4.1.1网点范围广且覆盖城乡......................................................................24 4.1.2决策自主优势......................................................................................24 4.2内部劣势分析................................................................................................25 4.2.1绿色信贷产品创新不足......................................................................25 4.2.2信息披露机制不健全..........................................................................26 4.2.3激励约束机制缺失..............................................................................26 4.2.4贷后跟踪机制不完善...........................................................................26 4.3外部机遇分析................................................................................................27 4.3.1绿色资源丰富......................................................................................27 4.3.2政策的重视与支持..............................................................................27 4.3.3市场机遇..............................................................................................28 4.4外部挑战分析................................................................................................28 4.4.1同业竞争激烈..............................