借鉴国际经验发展我国商业银行绿色信贷业务——以兴业银行为例

Promoting Green Credit in Chinese Commercial Banks By Referencing International Experience-Take Industrial Bank For Example

我国商业银行在发展绿色信贷业务上存在诸多不足,主要表现在重视度不够与发展创新性不足,两方面因素都影响绿色信贷在我国商业银行的推广。运用线性回归分析验证发展绿色信贷与转变经济增长方式是我国商业银行实现可持续发展的必然选择。通过对国内外银行业践行绿色信贷的分析比较,剖析国外银行业开展绿色金融的经验与分析我国商业银行绿色信贷的发展,凸显我国商业银行发展绿色信贷的短板。因此,要加强政府部门的联动,提高银行业发展绿色信贷业务的积极性,大力探讨绿色信贷创新产品,以促进我国商业银行绿色信贷业务的发展。

The commercial banks in China have not made enough efforts in promoting green credit,as reflected by the lack of attention and innovation.These two factors have resulted in the insufficient development of green credit in Chinese commercial banks.By applying linear regression model,we find that developing green credit and shifting economic development model are the two inevitable choices for the sustainable development of Chinese commercial banks.In addition,we identified key weaknesses in developing green credit by comparing with global peers.Therefore,to facilitate the development of green credit in Chinese commercial banks,we need to reinforce the collaboration among government entities,provide incentives for banks to promote green credit,and make strong efforts in developing innovative products.