摘 要
全球气候变化和环境恶化推动了绿色经济的发展，绿色信贷作为支持环保项目的工具，其重要性日益凸显。尽管如此，绿色信贷政策实施中存在标准不一、激励不足等问题，影响了其发展。本文分析了绿色信贷的理论基础及其对商业银行信贷风险的影响，指出绿色信贷政策能引导资金流向环保项目，降低风险，并强调了风险评估机制的重要性。同时，绿色信贷与经济可持续性相互作用，对信贷风险管理产生双重影响。我国绿色信贷政策虽有演进，但执行中仍面临标准认证体系不完善、激励监管不足、信息不对称、风险评估难和金融创新不足等问题。为应对这些问题，本文提出完善标准认证体系、加强激励监管、提高信息透明度和风险管理水平、推动金融产品和服务创新等建议。最后，本文总结了绿色信贷在促进可持续发展中的作用，并展望了其未来发展方向，认为通过政策优化和信贷风险管理提升，可促进绿色经济发展，实现社会、经济和环境的和谐共赢。
关键词：绿色信贷；商业银行；信贷风险
The impact of green credit on the credit risk of commercial banks
英文姓名
Directive teacher:×××
Abstract：Global climate change and environmental degradation have promoted the development of green economy, and green credit has become increasingly important as a tool to support environmental protection projects. In spite of this, there are some problems in the implementation of green credit policy, such as different standards and insufficient incentives, which affect its development. This paper analyzes the theoretical basis of green credit and its impact on the credit risk of commercial banks, points out that green credit policies can guide funds to environmental protection projects and reduce risks, and emphasizes the importance of risk assessment mechanism. At the same time, the interaction between green credit and economic sustainability has a dual impact on credit risk management. Although China's green credit policy has evolved, the implementation still faces problems such as imperfect standard certification system, insufficient incentive supervision, asymmetric information, difficult risk assessment and insufficient financial innovation. In order to deal with these problems, this paper puts forward some suggestions, such as improving standard certification system, strengthening incentive supervision, improving information transparency and risk management level, and promoting innovation of financial products and services. Finally, this paper summarizes the role of green credit in promoting sustainable development, and looks forward to its future development direction, and believes that through policy optimization and credit risk management improvement, it can promote the development of green economy and achieve a harmonious and win-win situation of society, economy and environment.
Key words: Green credit; Commercial banks; Credit risk
目 录
一、引言 1
二、绿色信贷理论与信贷风险概述 1
（一）绿色信贷的理论基础 1
（二）商业银行信贷风险理论 1
三、绿色信贷与信贷风险关系分析 2
（一）绿色信贷政策对信贷风险的影响 2
（二）绿色信贷产品的风险评估机制 2
（三）绿色信贷与经济可持续性对信贷风险管理的双重影响 3
四、我国绿色信贷政策及实施情况 3
（一）我国绿色信贷政策演进 3
1.我国绿色信贷政策的发展历程 3
2.我国绿色信贷政策的实施情况分析 4
（二）商业银行绿色信贷实施情况 4
1.商业银行绿色信贷产品与服务创新 4
2.商业银行绿色信贷成效 5
五、现行绿色信贷政策的问题 6
（一）标准和认证体系不完善 6
（二）激励与监管机制不足 6
（三）信息不对称与风险评估难度 6
（四）金融产品与服务创新不足 6
六、优化我国绿色信贷降低信贷风险的对策建议 7
（一）完善标准和认证体系 7
（二）强化激励与监管机制 7
（三）提高信息透明度与风险管理水平 8
（四）推动金融产品与服务创新 8
结论 9
参考文献 9
致谢 10
