MBA教育中心知识库

随着经济社会的发展，人类社会取得巨大建设成就的同时，也付出了极为昂贵的环境代价，正确处理经济活动与环境生态保护关系、转变经济发展方式，推动经济绿色化成为人类社会可持续发展的重要命题。在国家政策支持下，我国金融机构绿色金融业务已经逐步实施，并取得一定成果。但是由于开展时间较短，各地金融机构在开展业务时也遭遇一些问题或困境，亟需与之相应的学术成果与理论研究。

本文通过兰州新区金控集团开展绿色金融业务的个案研究，首先梳理本文选题的背景、研究意义、绿色金融的研究现状及相关理论。其次，分析兰州新区金控集团绿色金融业务发展现状，首先介绍兰州新区金控集团的发展情况，并对该单位发展绿色金融业务的必要性进行分析；其次对该单位绿色金融业务的开展现状进行分析，并着重对绿色担保业务、推出“绿色化工基金”、推进碳中和项目落地等举措进行案例分析，以期全面呈现该单位绿色金融业务的开展情况。第三，本文的研究重点是兰州新区金控集团绿色金融业务发展的SWOT-PEST分析，采用SWOT战略分析法，用于分析兰州新区金控集团发展绿色金融业务的优势、劣势、机会和威胁等，并结合PEST分析法，通过政策、经济、社会、技术等方面的分析，形成SWOT-PEST分析矩阵，经分析得出兰州新区金控集团开展绿色金融业务的战略选择：采用SO战略（增长性战略）。第四，本文的研究难点在于兰州新区金控集团绿色金融业务发展的策略研究，通过完善绿色金融业务制度建设、创新绿色金融产品与服务体系、强化绿色金融风险管控体系、重视人力资源管理等措施，提升兰州新区金控集团开展绿色金融业务的水平。

With the development of the economy and society, while human society has made great achievements in construction, it has also paid an extremely expensive environmental price. Therefore， correctly handling the relationship between economic activities and environmental and ecological protection, changing the patterns of economic development, and promoting the green economy have become the essential proposition for sustainable development within human society. Grounded on the support of national policies, the business for green finance of financial institutions in China has been gradually implemented and obtained some achievements. However, For lack of time, yet, local financial institutions are also trapped in some troubles and difficulties in carrying out business, which urgently calls for corresponding academic explorations and relevant theoretical research.

This paper, first presents the research background, significance, status, and related theories of the topic, in line with the case study of the development of Lanzhou New Area Financial Holdings in green financial business. Secondly, it analyzes the current situation of the development of green financial business of Lanzhou New Area Financial Holdings that the necessity of developing green finance business will be demonstrated combining with its conditions. Moreover, it explains the current situation of the green financial business by focusing on the case analysis of green guarantee business, the launch of "green chemical fund", and the promotion of the implementation of carbon neutralization projects, in order to comprehensively manifest the development of the green financial business of the group. Thirdly, this paper centers on the SWOT-PEST analysis of the development of green financial business of Lanzhou New Area Financial Holdings, adopting the SWOT strategic analysis method to analyze the advantages, disadvantages, opportunities, and threats of the development of green financial business. Combined with the PEST analysis method, the SWOT-PEST analysis matrix is formed through the analysis of policy, economy, society, and technology. Later, the strategic choice of the group to develop green financial business is explained, that is, the SO strategy which is also called the growth strategy. Lastly, the study indicates that the difficulty of the study lies in the strategic research on the development of green financial business. By the measures of improving the construction of green financial business system, innovating green financial products and service systems, strengthening green financial risk control system, focusing on human resource management, etc., the level of green financial business of Lanzhou New Area Financial Holdings will be further improved.

Keywords: green finance; financial holdings groups;development strategy; SWOT-PEST analysis