商业银行绿色信贷的瓶颈与应对策略

Bottleneck and Countermeasures of Commercial Bank’s Green Credit

自2007年7月我国实施绿色信贷政策以来,商业银行对节能减排项目的支持力度日益增强。但是,商业银行对高耗能企业的贷款却有增无减。文章从风险预期的角度,运用数理分析方法,对商业银行增加高耗能产业贷款的原因进行了探讨,认为商业银行给予高耗能企业贷款源于企业财富门槛和风险门槛,而影响企业财富门槛和风险门槛的主要因素是商业银行对于投资项目成功概率的判定;在长期动态过程中,商业银行对项目成功概率的判定,是基于企业前一期的投资经历。

Since the policy of the green credit was carried in July of 2007, the commercial banks always sup- port the project of energy conservation measures increasingly day by day. However, the size of the loan for highly energy-consuming companies has been raised continuously. This paper is discussing the cause of the increasing loan for highly energy-consuming companies by the method of mathematical analysis from the perspective of risk expectation. The main reason for this phenomenon is the limitation of wealth threshold and risk threshold, which are the principal factors to the judgment on the investment projects success ratio of commercial bank. In the long and dynamic process, the success ratio determined by commercial bank is based on the investment experience in the previous period.