Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit

The Study on Incentives of Green-Credit Policy of Commercial Banks

Author WangZuo
Tutor RenSenChun
School Anhui University of Finance
Course Finance
Keywords commercial banks green-credit Motivate Mechanism gametheory the principal-agent theory
CLC F832.4
Type Master's thesis
Year 2013
Downloads 83
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Response to the increasingly serious environmental problems, China has proposed to take the resource-saving, environment-friendly green development road. In this context, green-credit has become an integral part of the economic means on the path of green development. Green-credit is very important, but based on the characteristics as well as the problems and obstacles of the implementation; it is not difficult to find that development of green-credit need external incentives. Current incentives are not perfect, so it affect the enthusiasm of commercial banks to issue green-credit and the degree of progress in our country. Therefore, studying the green-credit incentives to solve the contradiction between development of green-credit and banks maximizing their own interests, and promote the positive commercial banks develop green-credit positively, has become the focus of this study.First this article clears the need to study commercial bank green-credit incentives from the theoretical basis of the green-credit incentives. On this basis, compare the development and characteristics of the foreign green-credit incentives, revelation by comparing the different points and the same point of the foreign green credit incentives, designed to be given the green credit incentives of the commercial banks in China. This article analyzes the incentives of green-credit in commercial banks in China, based on successful experience of foreign green-credit incentives. First finding some relevant policy of green-credit to summarizing the incentives; second, get the limitations of the existing incentives through analyzing the evaluation of the green credit incentives. In order to solve the limitations of the incentives, The Stakes mechanism model of principal-agency theory and game theory model was used to analyze economic incentives and monitoring from the government and the regulatory part, and formulate perfect incentives to cater to the benefits of society and commercial banks. Implement green-credit from positive aspect and reverse aspect. Finally, give the recommendations to improve the green-credit incentives policy. It mainly from the completing the system of laws and regulations, sounding basis for supporting measures, establishing the supporting fiscal compensation mechanism and establishment of effective supervision and management mechanism.

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