作　　者： ; ;

机构地区： 广东外语外贸大学财经学院

出　　处： 《金融教育研究》 2013年第2期12-19,共8页

摘　　要： 政府为了治理伴随着我国经济发展所出现的生态环境问题,采取了诸多规制措施来遏制生态恶化和环境污染。绿色信贷作为相关政策的重要一环,其实施效果却欠佳。文章对绿色信贷困境所进行的研究表明:地方政府干预、预算软约束,导致面临晋升竞争的地方政府官员和国有银行经理均缺乏激励实施绿色信贷,金融资源未能按照社会福利最大化的方式配置,出现了资源误配,从而使得政策失灵。基于上述结论,文章提出改革政府和国有银行绩效考核机制,进一步推进市场化改革等政策建议。 To solve the ecological and environmental issues arising with China＇s economy development,government has taken plenty of actions to curb the deterioration of ecology system and environmental pollution.Green loan considered as one of the important parts of relevant policies,its implemental effects aren＇t that satisfactory.In this paper,we comprehensively use info-economics,new instituitional ecnomics and new political economics to do some research on the dilemma facing green loan,and we achive these conclusions：the dual-governance failure facing the governments and banks lead to the lack of incentives for local governmental officials as well as state-owned banks＇managers who suffer from promotion competition to implement green loan,financial resources aren＇t distributed in the way of maximizing social welfare,resource misallocating is arising.Based on above sentiments,we offer some policy suggestion such as reform the performance evaluation mechanism of governments and state-owned bankes,deepen the market-oriented reform etc.

关 键 词： 政府干预 预算软约束 绿色信贷

领　　域： [经济管理]