【作者】 樊杰；

【导师】 曾令华；

【作者基本信息】 湖南大学 ， MBA， 2010， 硕士

【摘要】 本文从绿色信贷产生的背景分析入手,揭示了绿色信贷的一般原理和客观规律。列举国外和国内商业银行机构从事绿色信贷实现可持续发展的典型经验及绿色信贷的可持续发展方向。在此基础上,以湖南省农村信用社为研究对象,简要回顾湖南省农村信用社开展绿色信贷的基本情况,分析其存在的问题,对就如何实现绿色信贷与绿色开发的有机合及解决贷款担保问题等问题进行较为深入的探索,结合湖南省实际情况,有针对性地提出“绿色信贷+绿色开发担保基金”的模式。文章系统分析设计“绿色信贷+绿色开发担保基金”模式的原因、可行性、操作方式及配套机制,及运行需要的内外部条件,以期通过绿色信贷充分发挥功效,缓解绿色开发贷款难问题,推动银行业绿色信贷发展并以此促进绿色产业、绿色经济和资源环境的可持续发展。最终农村信用社实现金融业务的绿色化,在履行社会责任的同时,增强自身的竞争力。更多还原

【Abstract】 This paper analyzes the circumstance of Green-Credit Policy, indicating the general principles and objective rules , listing the typical experience and the development direction of obtaining sustainable development from green-credit policy in home and abroad business bank. On the basis of it,this paper researches on the RCC of Hunan province,reviewing the basic situation of promoting green-credit policy and analyzing the existing problems. At the same time, it researches how to realize the combination of green-credit policy and green development and how to solve the issue of credit assurance. Combined the reality situation in Hunan province, this paper puts forward with the model of“green-credit policy+ green development assurance money”.Besides,it systematically analyzes the reasons,feasibility,methods and the necessary mechanism of the model so that using green-credit policy solves the problem of green-credit, pushing the development of green-credit policy,green industry and green economy .Finally,the RCC realizes the green of financial production , enhancing the competence in the company of taking social responsibilities.更多还原