绿色金融业务对银行绩效的影响分析——以九江银行为例 摘 要 随着经济的迅速发展,环境问题越来越严重,与此同时绿色金融应运而生。“十三五”已明确“绿色”的发展立场,发展绿色金融已是大势所趋,是新常态下解决环境问题的要求,是优化投资方向和产业结构转型的关键。因此,如何提升绿色金融成为了当下重要议题。我国商业银行绿色金融发展历程短,除了履行社会责任的必要性之外,发展绿色金融业务对银行的收益和绩效问题尚未成定论。因此,绿色金融业务对银行绩效的影响分析具有一定的现实意义,可以对其他商业银行发展绿色金融业务提供经验借鉴。本文以九江银行为例简要介绍了九江银行的绿色金融业务,分析了绿色金融业务带来的影响以及九江银行发展绿色金融业务的建议。 关键词:绿色金融;绩效;影响 Abstract With the rapid economic development,environmental problems have become more and more serious, and at the same time green finance has emerged. The "Thirteenth Five-Year Plan" has clarified the "green" development position.The development of green finance is the general trend,the requirement of solving environmental problems under the new normal, and the key to optimizing investment direction and industrial structure transformation. Therefore, how to improve green finance has become an important issue at the moment.The development of green finance in my country's commercial banks is short.In addition to the necessity of fulfilling social responsibilities,the development of green finance has yet to reach a conclusion on the bank's income and performance. Therefore, the analysis of the impact of green finance business onbank performance has certain practical significance and can provide experience for commercial banks to develop green finance business. This article briefly introduces Jiujiang Bank’s green finance business with Jiujiang Bank as an example,analyzes the impact of green finance and Jiujiang Bank’s suggestions for developing green finance. Key words: Green Finance;Performance;Influences 目 录 内容摘要……………………………………………………………………………1 关 键 词……………………………………………………………………………1 Abstract……………………………………………………………………………1 Key words…………………………………………………………………………1 一、绿色金融相关概念及意义…………………………………………6 (一)绿色金融……………………………………………………………6 (二)开展绿色金融的意义………………………………………………6 二、九江银行绿色金融业务……………………………………………8 (一)绿色信贷……………………………………………………………8 (二)绿色票据……………………………………………………………9 (三)绿色债券……………………………………………………………9 (四)绿色银赁通…………………………………………………………10 (五)绿色私募可转债……………………………………………………10 三、绿色金融业务对九江银行绩效影响的分析……………………11 (一)九江银行与其他商业银行绿色贷款比率对比分析………………11 (二)九江银行与其他商业银行净资产收益率对比分析………………12 四、对九江银行发展绿色金融业务的建议…………………………14 参考文献………………………………………………………………15 致 谢…………………………………………………………………17 |
绿色金融业务对银行绩效的影响分析——以九江银行为例
更新时间:2021-12-12