中文摘要
生态文明建设是关乎人民幸福安康、国家富强、民族发展的长远大计。经济飞速发展，人民生活质量大幅提高，企业国际竞争力增强，“中国梦”和“民族复兴”扎根人心，是我国的现实情况。而与之相对应的，是生态环境的急速恶化，这也是经济快速发展造成的恶果。生态环境的破坏引起了人们的高度关注，以生态环境的恶化为代价的经济发展是不可取的、不可行的。我们应当用金融为生态文明建设服务，优化信贷结构，持续加强对重点领域和环保企业的支持，更好地发挥金融对生态文明建设的支持。
伴随经济的发展，履行环境责任已经成为一个企业发展所不能缺少的一部分，环境责任与企业的发展密不可分。而在金融为生态文明建设的服务中，商业银行是重要的部分，是不可缺少的部分，它们在现代经济体系中发挥着核心作用。绿色信贷是商业银行履行环境责任的重要部分，我国的绿色信贷发展如何，商业银行推出了哪些绿色信贷产品，商业银行如何去开发新的绿色信贷产品？本文通过分析浦发银行绿色信贷产品体系，结合国内商业银行绿色信贷产品现状及国外商业银行绿色信贷产品经验，从新的角度开发出了几种绿色信贷产品，即按照绿色信贷产品需求对象，将其划分为企业绿色信贷产品和个人消费绿色信贷产品，而企业绿色信贷产品又划分为生产型企业绿色信贷产品、节能改造企业绿色信贷产品，并结合我国产业政策和实际情况分别为其设计了配套的产品。最后，结合国内外经验，从政府和银行两个层面，为我国开展绿色信贷业务、创新绿色信贷产品给出建议，推进我国银行业绿色信贷业务更好更快发展。
关键字：绿色信贷产品，环境责任，浦发银行
Abstract
The construction of ecological civilization is connected with people's happiness, health,national prosperity and the long-term project of our nation. For the realistic situation in China,the economy is developing rapidly, people's living standard has been increased substantially. Andcorrespondingly, the ecological environment is worsen quickly, it is also the bad influences of therapid economic development. The exacerbation of the ecological environment caused people'sattention. People know that it is not feasible to develop the economy at the cost of making theexacerbation of ecological environment. We should use the finance services to constructecological civilization, improve the structure of credit, strengthen support for key areas andenvironmental protection enterprises continuously, and give better financial support for theconstruction of ecological civilization.
While the economy developing, the environmental responsibility has been an absolutelynecessary part of the development of enterprises, and the development of the environment isconnected to the enterprises' development closely. Commercial banks are important parts in theconstruction of ecological civilization, they play a central role in the modern economic system.
The green credit is an important part of commercial banks to fulfill the environmentalresponsibility. How does green credit develop in commercial banks? What are the deficiencies ofChina's green credit products? How to develop new green credit products for commercial banks?
This article takes Pudong Development Bank as an example. Through the development processof Pudong Development Bank's green credit and its green credit product system, we can have adeep understanding of the current condition of Pudong Development Bank green credit'sdevelopment. This article combines the current condition of internal and external green creditproducts, Several green credit products have been developed from a new perspective. Accordingto the demand of green credit products, divided into enterprise green credit products and personalconsumption of green credit products, Enterprise green credit products are divided intoproductive enterprises green credit products, enterprise green credit products of energy savingtransformation, and this article for them to design a complete set of products. Finally, combinedwith the domestic and foreign experience, for China's commercial banks to carry out green creditbusiness, design green credit products to put forward proposals to promote the green creditbusiness of China's banking industry to better and faster development.
Key words: Green credit products, Environmental responsibility, PudongDevelopment Bank
目录
中文摘要
Abstract
第一章 引言
1.1 研究背景
1.1.1 全球及我国生态环境问题
1.1.2 绿色经济及环境责任
1.1.3 绿色信贷及其产品
1.2 文献综述
1.2.1 绿色信贷内涵及其意义
1.2.2 商业银行与绿色信贷
1.2.3 绿色信贷的法律法规
1.3 本文创新之处和不足之处
第二章 国内外商业银行绿色信贷业务现状
2.1 国内商业银行绿色信贷发展
2.1.1 我国绿色信贷政策
2.1.2 我国商业银行绿色信贷发展及其产品现状
2.1.3 商业银行绿色信贷对银行业绩的影响
2.2 国外商业银行绿色信贷经验及其产品
2.2.1 赤道原则及国外绿色信贷经验
2.2.2 国外绿色信贷产品及服务概括
2.2.2.1 房产类产品和服务
2.2.2.2 交通类产品和服务
2.2.2.3 信用卡类产品和服务
2.2.2.4 资本类产品和服务
2.2.2.5 其他产品和服务
第三章 浦发银行绿色信贷发展历程
3.1 浦发银行基本情况
3.2 浦发银行绿色信贷发展
3.2.1 绿色信贷政策
3.2.2 绿色信贷体系
3.2.3 绿色信贷业务开展情况
3.2.4 绿色信贷的国际交流和合作
3.2.5 浦发银行自身倡导绿色理念情况
第四章 浦发银行绿色信贷产品体系
4.1 第一代绿色信贷体系
4.1.1 IFC 能效融资方案
4.1.2AFD 能效融资方案
4.1.3 CDM 财务顾问方案
4.1.4 绿色股权融资方案
4.1.5 专业支持方案
4.2 第二代绿色信贷体系
4.2.1 五大板块
4.2.2 十大创新产品
4.2.2.1 IFC 能效融资方案
4.2.2.2AFD 能效融资方案
4.2.2.3 亚洲开发银行（ADB）建筑节能融资
4.2.2.4 合同能源管理未来收益权质押融资
4.2.2.5 合同能源管理保理融资
4.2.2.6 CDM 财务顾问方案
4.2.2.7 国际碳（CDM）保理融资
4.2.2.8 排污权抵押融资
4.2.2.9 绿色股权融资
4.2.2.10 绿色固定收益融资
4.3 浦发银行绿色信贷业务及其产品问题分析
4.3.1 绿色信贷业务问题
4.3.2 绿色信贷产品问题
第五章 我国商业银行绿色信贷产品创新及发展建议
5.1 绿色信贷产品创新
5.1.1 绿色信贷产品创新原则
5.1.2 绿色信贷产品体系
5.1.2.1 生产型企业绿色信贷产品
5.1.2.2 节能改造企业绿色信贷产品
5.1.2.3 个人消费绿色信贷产品
5.2 绿色信贷产品受理及发放程序
5.2.1 客户受理
5.2.2 贷前授信调查
5.2.3 项目分类
5.2.4 产品定价及贷款额度确定
5.2.5 贷后监控
5.3 我国绿色信贷产品创新建议
第六章 结论
6.1 主要结论
6.2 研究展望
参考文献
致谢
生态文明建设是关乎人民幸福安康、国家富强、民族发展的长远大计。经济飞速发展，人民生活质量大幅提高，企业国际竞争力增强，“中国梦”和“民族复兴”扎根人心，是我国的现实情况。而与之相对应的，是生态环境的急速恶化，这也是经济快速发展造成的恶果。生态环境的破坏引起了人们的高度关注，以生态环境的恶化为代价的经济发展是不可取的、不可行的。我们应当用金融为生态文明建设服务，优化信贷结构，持续加强对重点领域和环保企业的支持，更好地发挥金融对生态文明建设的支持。
伴随经济的发展，履行环境责任已经成为一个企业发展所不能缺少的一部分，环境责任与企业的发展密不可分。而在金融为生态文明建设的服务中，商业银行是重要的部分，是不可缺少的部分，它们在现代经济体系中发挥着核心作用。绿色信贷是商业银行履行环境责任的重要部分，我国的绿色信贷发展如何，商业银行推出了哪些绿色信贷产品，商业银行如何去开发新的绿色信贷产品？本文通过分析浦发银行绿色信贷产品体系，结合国内商业银行绿色信贷产品现状及国外商业银行绿色信贷产品经验，从新的角度开发出了几种绿色信贷产品，即按照绿色信贷产品需求对象，将其划分为企业绿色信贷产品和个人消费绿色信贷产品，而企业绿色信贷产品又划分为生产型企业绿色信贷产品、节能改造企业绿色信贷产品，并结合我国产业政策和实际情况分别为其设计了配套的产品。最后，结合国内外经验，从政府和银行两个层面，为我国开展绿色信贷业务、创新绿色信贷产品给出建议，推进我国银行业绿色信贷业务更好更快发展。
关键字：绿色信贷产品，环境责任，浦发银行
Abstract
The construction of ecological civilization is connected with people's happiness, health,national prosperity and the long-term project of our nation. For the realistic situation in China,the economy is developing rapidly, people's living standard has been increased substantially. Andcorrespondingly, the ecological environment is worsen quickly, it is also the bad influences of therapid economic development. The exacerbation of the ecological environment caused people'sattention. People know that it is not feasible to develop the economy at the cost of making theexacerbation of ecological environment. We should use the finance services to constructecological civilization, improve the structure of credit, strengthen support for key areas andenvironmental protection enterprises continuously, and give better financial support for theconstruction of ecological civilization.
While the economy developing, the environmental responsibility has been an absolutelynecessary part of the development of enterprises, and the development of the environment isconnected to the enterprises' development closely. Commercial banks are important parts in theconstruction of ecological civilization, they play a central role in the modern economic system.
The green credit is an important part of commercial banks to fulfill the environmentalresponsibility. How does green credit develop in commercial banks? What are the deficiencies ofChina's green credit products? How to develop new green credit products for commercial banks?
This article takes Pudong Development Bank as an example. Through the development processof Pudong Development Bank's green credit and its green credit product system, we can have adeep understanding of the current condition of Pudong Development Bank green credit'sdevelopment. This article combines the current condition of internal and external green creditproducts, Several green credit products have been developed from a new perspective. Accordingto the demand of green credit products, divided into enterprise green credit products and personalconsumption of green credit products, Enterprise green credit products are divided intoproductive enterprises green credit products, enterprise green credit products of energy savingtransformation, and this article for them to design a complete set of products. Finally, combinedwith the domestic and foreign experience, for China's commercial banks to carry out green creditbusiness, design green credit products to put forward proposals to promote the green creditbusiness of China's banking industry to better and faster development.
Key words: Green credit products, Environmental responsibility, PudongDevelopment Bank
目录
中文摘要
Abstract
第一章 引言
1.1 研究背景
1.1.1 全球及我国生态环境问题
1.1.2 绿色经济及环境责任
1.1.3 绿色信贷及其产品
1.2 文献综述
1.2.1 绿色信贷内涵及其意义
1.2.2 商业银行与绿色信贷
1.2.3 绿色信贷的法律法规
1.3 本文创新之处和不足之处
第二章 国内外商业银行绿色信贷业务现状
2.1 国内商业银行绿色信贷发展
2.1.1 我国绿色信贷政策
2.1.2 我国商业银行绿色信贷发展及其产品现状
2.1.3 商业银行绿色信贷对银行业绩的影响
2.2 国外商业银行绿色信贷经验及其产品
2.2.1 赤道原则及国外绿色信贷经验
2.2.2 国外绿色信贷产品及服务概括
2.2.2.1 房产类产品和服务
2.2.2.2 交通类产品和服务
2.2.2.3 信用卡类产品和服务
2.2.2.4 资本类产品和服务
2.2.2.5 其他产品和服务
第三章 浦发银行绿色信贷发展历程
3.1 浦发银行基本情况
3.2 浦发银行绿色信贷发展
3.2.1 绿色信贷政策
3.2.2 绿色信贷体系
3.2.3 绿色信贷业务开展情况
3.2.4 绿色信贷的国际交流和合作
3.2.5 浦发银行自身倡导绿色理念情况
第四章 浦发银行绿色信贷产品体系
4.1 第一代绿色信贷体系
4.1.1 IFC 能效融资方案
4.1.2AFD 能效融资方案
4.1.3 CDM 财务顾问方案
4.1.4 绿色股权融资方案
4.1.5 专业支持方案
4.2 第二代绿色信贷体系
4.2.1 五大板块
4.2.2 十大创新产品
4.2.2.1 IFC 能效融资方案
4.2.2.2AFD 能效融资方案
4.2.2.3 亚洲开发银行（ADB）建筑节能融资
4.2.2.4 合同能源管理未来收益权质押融资
4.2.2.5 合同能源管理保理融资
4.2.2.6 CDM 财务顾问方案
4.2.2.7 国际碳（CDM）保理融资
4.2.2.8 排污权抵押融资
4.2.2.9 绿色股权融资
4.2.2.10 绿色固定收益融资
4.3 浦发银行绿色信贷业务及其产品问题分析
4.3.1 绿色信贷业务问题
4.3.2 绿色信贷产品问题
第五章 我国商业银行绿色信贷产品创新及发展建议
5.1 绿色信贷产品创新
5.1.1 绿色信贷产品创新原则
5.1.2 绿色信贷产品体系
5.1.2.1 生产型企业绿色信贷产品
5.1.2.2 节能改造企业绿色信贷产品
5.1.2.3 个人消费绿色信贷产品
5.2 绿色信贷产品受理及发放程序
5.2.1 客户受理
5.2.2 贷前授信调查
5.2.3 项目分类
5.2.4 产品定价及贷款额度确定
5.2.5 贷后监控
5.3 我国绿色信贷产品创新建议
第六章 结论
6.1 主要结论
6.2 研究展望
参考文献
致谢
