摘要
随着全球环境保护意识的提升，绿色信贷作为商业银行支持可持续发展的关键手段，日益受到关注。然而，在推行绿色信贷过程中，商业银行面临着多重挑战。首先，财政政策和货币信贷政策在支持绿色信贷方面存在配合不协调的问题，影响了政策的有效实施。其次，绿色信贷业务缺乏统一的标准和评估体系，导致银行在业务开展过程中缺乏明确的指导。再者，绿色信贷项目往往具有长期性和不确定性，短期内可能导致商业银行的效益下降，进而影响其积极性。此外，绿色信贷业务对商业银行的风险管理能力提出了更高的要求，需要银行在风险识别和防范方面做出更多努力。针对上述问题，本文提出了一系列对策和建议。首先，加强财政政策和货币信贷政策的协调配合，确保政策在绿色信贷领域的有效实施。其次，建立健全绿色信贷标准和评估体系，为商业银行开展绿色信贷业务提供明确指导。同时，建立长期效益与短期效益相协调的激励机制，鼓励商业银行积极投入绿色信贷领域。最后，加强商业银行的风险管理能力建设，提高银行在绿色信贷业务中的风险防范能力。通过这些措施的实施，将有助于商业银行更好地发挥绿色信贷在促进可持续发展中的重要作用。
关键词：绿色信贷；商业银行；可持续发展
Abstract
With the promotion of global environmental protection awareness, green credit, as a key means of commercial banks to support sustainable development, has attracted increasing attention. However, in the process of promoting green credit, commercial banks face multiple challenges. First of all, fiscal policy and monetary and credit policy are uncoordinated in supporting green credit, which affects the effective implementation of policies. Secondly, the lack of unified standards and evaluation system for green credit business leads to the lack of clear guidance for banks in the process of business development. Moreover, green credit projects are often long-term and uncertain, which may lead to the benefit decline of commercial banks in the short term, and thus affect their enthusiasm. In addition, the green credit business has put forward higher requirements for the risk management ability of commercial banks, which requires banks to make more efforts in risk identification and prevention. In view of the above problems, this paper puts forward a series of countermeasures and suggestions. First of all, strengthen the coordination between fiscal policies and monetary and credit policies to ensure the effective implementation of policies in the field of green credit. Secondly, establish and sound green credit standards and evaluation system should be established to provide clear guidance for commercial banks to carry out green credit business. At the same time, an incentive mechanism for coordinating long-term benefits and short-term benefits should be established to encourage commercial banks to actively invest in the field of green credit. Finally, strengthen the risk management ability construction of commercial banks, and improve the risk prevention ability of banks in the green credit business. Through the implementation of these measures, it will help commercial banks to better play the important role of green credit in promoting sustainable development.
Keywords：Green credit; commercial bank; sustainable development
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、绿色信贷相关概述 3
（一）绿色信贷的定义 3
（二）绿色信贷的特点 3
（三）绿色信贷的核心要素 3
三、商业银行推行绿色信贷的现状分析 5
（一）商业银行绿色信贷业务规模 5
（二）商业银行绿色信贷的主要产品 5
（三）商业银行绿色信贷服务流程 5
四、商业银行推行绿色信贷存在的问题 7
（一）缺乏专项优惠政策 7
（二）实施缺乏统一标准 7
（三）短期效益下降 7
五、商业银行推行绿色信贷的优化对策 9
（一）建立健全专项优惠政策体系 9
（二）制定统一绿色信贷分类标准 9
（三）引入长期效益评估指标 10
结 论 11
参考文献 12
