随着全球人口的不断增长及人类社会的不断发展，人类对生态环境系统的破坏随 之日益严重。人类要解决发展与保护生态的矛盾，必须关注绿色环保方面的问题。当 前我国经济社会正逐渐步入发展的新常态和转型升级的新时期，真正构建符合中国国 情的绿色信贷体系，是我国金融业可持续发展的必经之路。2012 年，为促进银欧亿·体育（中国）有限公司 金融机构发展绿色信贷，中国银欧亿·体育（中国）有限公司监督管理委员会要求银行等金融机构应该以两年 为单位，循环实施对绿色信贷的全方位评价预估工作，并定时报送结果。中国银监会 还提出要求，银欧亿·体育（中国）有限公司监督管理机构必须全方位评价预测银欧亿·体育（中国）有限公司金融机构的绿色信贷所 取得的效果，将通过评估所获得的结果当作银欧亿·体育（中国）有限公司金融机构监督评级、部门准入、交 易准入、高管人员履职评判的关键标准。故而，对银欧亿·体育（中国）有限公司金融机构绿色信贷的实施效 果进行评价就显得十分紧迫和必要。 本文运用定性和定量相结合，从个别到一般的分析方法，以 XY 银行为研究对象， 运用模糊综合评价法对其绿色信贷实施效果进行了评价，首先设置 XY 银行绿色金融 实施评估指标，之后通过问卷调查法收集各项数据，对数据进行处理、确定因素集合 评语集与确定权重集，最后得出各个指标的具体评价。实证的研究结果表明，通过对 2016 年与 2017 年的绿色金融实施评价得分对比可以看出评价的结果都呈上升的趋 势，真实有效的反映了 XY 银行目前良好的发展态势，但仍存在以下问题包括，主要 有组织机构设置不够完善、缺乏有效的奖罚机制及环境风险评估机制、环保信息的缺 失及环境风险评估机制、绿色信贷人才欠缺等方面。 结合 XY 银行绿色信贷发展状况和实证研究的结论，提出 XY 银行更好的实施绿 色信贷提出建议包括主要优化信贷业务环境与信贷风险控制、落实差异化的绿色信贷 实施战略、以科技为支撑，实施创新发展战略、结合绿色信贷实施效果改进员工激励 机制等四个方面内容。 关键词，XY 银行，绿色信贷，模糊综合评价法，对策建议II Research on the implementation effect evaluation of XY commercial bank green credit based on fuzzy comprehensive rating method Abstract With the continuous growth of the global population and the continuous development of human society, the destruction of the ecological environment system by human beings becomes increasingly serious. In order to solve the contradiction between development and ecological protection, human beings must pay attention to environmental protection. At present, China's economic and social development is gradually stepping into the new normal and a new period of transformation and upgrading. To truly build a green credit system in line with China's national conditions is the only way for the sustainable development of China's financial industry. In 2012, in order to promote the development of green credit among financial institutions in the banking industry, the China banking regulatory commission required Banks and other financial institutions to conduct a comprehensive evaluation and estimation of green credit on a two-year cycle basis and report the results on a regular basis. The CBRC also required that the banking supervision institutions should comprehensively evaluate and predict the effect of green credit of the banking financial institutions, and take the results obtained through the evaluation as the key criteria for the supervision and rating, department access, transaction access and executive performance evaluation of the banking financial institutions. Therefore, it is urgent and necessary to evaluate the implementation effect of green credit in banking financial institutions. This paper USES qualitative and quantitative combined, from individual to the general analysis method, to the XY bank as the research object, using the fuzzy comprehensive evaluation method to carry out green credit effect was evaluated, first set the XY bank green financial evaluation index, after all the data collected through questionnaire survey, the data is set processing, uncertainty evaluation set and determine the weighting sets, finally it is concluded that the various indicators of specific evaluation. Empirical results indicate that, by 2016 and 2017 contrast can be seen that the score of the green financial implementation of the results of the evaluation is on the rise trend, real and effective to reflect the XY bank currently good development momentum, but still exist theIII following problems including: mainly include imperfect organization setting, lack of effective mechanism of rewards and punishment and environment risk assessment mechanism, the lack of environmental information and environmental risk assessment mechanism, green credit lack of talented students. Combined with XY bank green credit development condition and the conclusion of empirical research, puts forward the XY bank better including major optimization are put forward on the implementation of green credit of credit business environment and the credit risk control, the implementation of the green credit implementation of differentiation strategy, supported by science and technology, innovation and development strategy, combined with green credit effect to improve employees' incentive system and so on four aspects. Key words: XY bank, green credit, fuzzy comprehensive evaluation method, countermeasures and SuggestionsIV 目录 中文摘要................................................................................................................................I Abstract..............................................................................................................................II 第一章 绪论..........................................................................................................................1 1.1 研究背景 ........................................................................................................................1 1.2 研究意义 ........................................................................................................................2 1.3 研究内容和框架 ...............................................................................................................3 1.4 研究方法 ........................................................................................................................4 1.5 论文创新点 .....................................................................................................................4 第二章 绿色信贷实施与评价研究的理论基础..................................................................5 2.1 绿色信贷及实施研究 .........................................................................................................5 2.1.1 绿色信贷 ...............................................................................................................5 2.1.2 绿色信贷实施 .........................................................................................................6 2.2 绿色信贷评价研究 ............................................................................................................7 第三章 绿色信贷现状介绍及实施效果评价......................................................................9 3.1 绿色信贷现状介绍 ............................................................................................................9 3.1.1 绿色信贷制度建设 ...................................................................................................9 3.1.2 绿色金融产品创新 .................................................................................................10 3.2 绿色信贷实施效果评价实践 ..............................................................................................11 3.2.1 绿色信贷政策效果评价打分制度 ...............................................................................11 3.2.2 银监会绿色信贷实施效果统计制度 ............................................................................12 3.3 绿色信贷实施效果评价中存在问题及改进 ..........................................................................13 第四章 模糊综合评价法及实践应用................................................................................14 4.1 模糊综合评价法方法简介 .................................................................................................14 4.1.1 模糊综合评价法概述 ..............................................................................................14 4.1.2