绿色金融评级评估标准现状及体系框架构建研究

绿色金融评级评估活动是绿色金融发展的重要组成部分,制定绿色金融评级评估标准并建立和完善绿色金融评级评估标准体系,有助于促进绿色金融市场规模化、规范化和健康可持续发展。本研究通过国内外绿色金融评级评估标准现状的梳理和分析,提出我国绿色金融评级评估标准体系的构建规划和标准发展路径,并对未来绿色金融评级评估领域重点标准的制定提出建议,为促进绿色金融高质量发展提供政策研究和市场应用提供参考。

乡村绿色生态旅游适宜等级VIKOR评估方法

针对乡村绿色生态旅游特征,并考虑旅游者个体感受与群体效益,本文从乡村绿色生态旅游开发与适宜评级概念出发,提出乡村绿色生态旅游适宜等级VIKOR评估模型与方法。首先,从等级评估的概念与内涵出发,刻画乡村绿色生态旅游适宜评级问题,避免混淆旅游适宜评级和排序两个本质不同的问题。然后,构建乡村绿色生态旅游适宜等级评估指标及隶属函数,提出评估指标的熵权确定方法。其次,提出乡村绿色生态旅游适宜等级VIKOR评估模型与二元语义等级评估方法。最后,通过案例研究和比较分析,说明本文所提模型与方法的合理性、可行性与实用性。

ESG体系在我国的应用研究

ESG体系是倡导在投资决策过程中充分考虑环境(E)、社会(S)和公司治理(G)因素的投资理念,包括信息披露、评估评级和投资指引三个方面,是社会责任投资的基础,是绿色金融体系的重要组成部分。从国际上看,机构投资者运用ESG体系来指导投资实践,显著提升了资产组合的风险控制和长期收益能力。我国自2003年起,已对ESG体系进行了一系列探索和实践,2017年6月,环保部与证监会签订《关于共同开展上市公司环境信息披露工作的合作协议》,推动建立和完善上市公司强制性环境信息披露制度,意味着我国ESG体系已从顶层设计落实到执行层面。但从多年的实践情况看,我国ESG体系在信息披露数量、质量和规范性方面均有不足。本文通过梳理ESG体系发展的国际经验,为我国建立科学、系统、完备的ESG体系提供借鉴。

The City Intelligence Quotient （City IQ） Evaluation System＂ Conception and Evaluation

After a systematic review of 38 current intelligent city evaluation systems （ICESs） from around the world, this research analyzes the secondary and tertiary indicators of these 38 ICESs from the perspec- tives of scale structuring, approaches and indicator selection, and determines their common base. From this base, the fundamentals of the City Intelligence Quotient （City IOD Evaluation System are developed and five dimensions are selected after a clustering analysis. The basic version, City IQ Evaluation System 1.0, involves 275 experts from 14 high-end research institutions, which include the Chinese Academy of Engineering, the National Academy of Science and Engineering （Germany）, the Royal Swedish Academy of Engineering Sciences, the Planning Management Center of the Ministry of Housing and Urban-Rural Development of China, and the Development Research Center of the State Council of China. City IQ Evaluation System 2.0 is further developed, with improvements in its universality, openness, and dy- namic adjustment capability. After employing deviation evaluation methods in the IQ assessment, City IQ Evaluation System 3.0 was conceived. The research team has conducted a repeated assessment of 41 intelligent cities around the world using City IQ Evaluation System 3.0. The results have proved that the City IQ Evaluation System, developed on the basis of intelligent life, features more rational indicators selected from data sources that can offer better universality, openness, and dynamics, and is more sen- sitive and precise.

P2P network lending in the credit risk rating of the individual

P2P lending network is person to person lending network, lnternet-based applications, individuals lending financial model to others through the network intermediary,＇ platform. Currently P2P lending network has developed rapidly, but the P2P network lending platform also are lacing increasing risks, the biggest risk is credit risk. This article from the credit rating perspective, comparative analysis of the existing credit rating methodology, Analysis to establish a relatively sound credit rating mechanisms, thus reducing credit risk.

加拿大保险监管中的风险评估模型及其借鉴

近年来,我国保险业总体上得到了前所未有的快速发展,行业监管所面对的市场环境也日趋复杂。为全面贯彻落实科学发展观,我国保险监管机构正在着力实现保险监管方式从"以业务规模为基础的静态监管"向"以风险为基础的动态监管"转变,以期实现监管资源的合理配置,监管效力的最大发挥。通过分析加拿大 OSFI 风险监管中的风险评估和评级方法,我国应构建科学发展观指导下的保险监管模式;建立和完善科学、动态的风险评估模型和风险评级指标体系;全面实施非现场监管方式,逐步完善分类监管措施,从而完善我国的保险监管。