中国绿色信贷发展问题探究

绿色信贷是科学发展观下我国金融业可持续发展的必然选择,具有重大的现实意义。我国绿色信贷发展已经起步,然而在实施过程中存在着局部利益之间的矛盾、对金融机构效益的影响、评估数据收集和处理的困难、风险评估标准和程序的不完善等问题,需要通过建立绿色信贷环境数据信息库、完善绿色信贷授信程序、创新绿色信贷产品和服务、强化绿色信贷主体的社会责任、建立环境评估智力支撑平台和绿色信贷利益协调机制等方面的措施来推动我国绿色信贷的健康快速发展。

Inquiry into Developing Problems of China Green Credit

The green credit is an inevitable choice for China′s financial industry realizing sustainable development following the Scientific Outlook on Development and it has great practical significance.The development of green credit in China has started,while there are some problems during its implementating process,such as contradictions between the local interests,influences towards financial institutions′ benefits,difficulties in assessing data collection and processing,imperfect standards and procedures of risk assessment,etc.We should promote the healthy rapid development of China′s green credit by building the environmental data information base for green credit,perfecting the green credit granting process,innovating its products and services,strengthening social responsibilities of green credit subjects,establish intelligence-supporting platform for environmental assessment and mechanism for green credit interest coordination and so on.