绿色信贷业务的风险管理是一个持续动态的过程，在我国致力于实现“双碳目标”的背景下，金融机构对于绿色信贷业务风险管理的需求变得尤为迫切。面对新的需求，Y银行必须建立并完善信贷风险管理机制，以保障资金的安全性、流动性和盈利性。

论文以Y银行对绿色信贷业务的风险管理为研究对象，首先，采用文献研究法梳理国内外绿色信贷业务的风险管理现状和相关理论；接着，论文详细介绍了Y银行绿色信贷业务的概况及其风险控制现状，并通过专家访谈的方法，梳理分析了该行绿色信贷业务存在的问题，再以Y银行对某分布式光伏发电项目的信贷风险评估为实例，通过层次分析法、德尔菲法和模糊评价法，构建了包含五个一级指标、十七个二级指标、四十五个三级指标的Y银行绿色信贷项目风险评估指标体系并确定了各级指标权重。研究表明，在影响Y银行绿色信贷业务的一级指标中，内部管理、信息沟通、项目跟踪风险较为突出；三级指标中，资金用途正确性、内外信息交流、行业发展态势的风险等级最高，应该重点加以控制。基于评估结果，本文提出了涵盖内部管理、信息沟通、项目跟踪三个阶段的风险管理优化建议和保障措施，此外，本文还提出了加强专业人才队伍建设、完善激励机制和发挥政府引导作用等保障措施。

本研究成果为Y银行在绿色信贷领域提供了策略建议，帮助Y银行形成闭环的绿色信贷风险管理体系，提高其风险管理水平，同时，也为其他金融机构在同领域的实际操作提供参考，有助于推动环境保护和绿色金融的可持续发展。

Green credit business risk management is an ongoing, dynamic process,especially urgent in the context of China’s commitment to achieving its “dual carbon goals.” Y Bank must establish and refine its credit risk management mechanism to ensure the safety, liquidity, and profitability of its funds in the face of new demands.

The thesis takes Y Bank’s risk management of green credit business as the research object. Firstly, it uses the literature research method to sort out the current status of risk management and related theories of green credit business at home and abroad. Next, the thesis introduces in detail the overview of Y Bank’s green credit business and its current risk control situation. Through expert interviews, it analyzes the existing problems in the bank’s green credit business. Taking Y Bank’s credit risk assessment for a distributed photovoltaic power generation project as an example, the thesis constructs an evaluation index system for Y Bank’s green credit project risk assessment, which includes five first-level indicators, seventeen second-level indicators, and forty-five third-level indicators, and determines the weights of indicators at all levels using the Analytic Hierarchy Process (AHP), Delphi Method, and Fuzzy Evaluation Method. The research shows that among the first-level indicators affecting Y Bank’s green credit business, internal management, information communication, and project tracking risks are more prominent. Among the third-level indicators, the risk levels of correct use of funds, internal and external information exchange, and industry development trends are the highest and should be prioritized for control. Based on the assessment results, this thesis proposes risk management optimization suggestions and safeguard measures covering the stages of internal management, information communication, and project tracking. In addition, it also suggests strengthening the construction of a professional talent team,improving the incentive mechanism, and playing the guiding role of the government as safeguard measures.

The research findings provide strategic suggestions for Y Bank in the field of green credit, assisting the bank in establishing a closed-loop green credit risk management system and enhancing its risk management capabilities. Additionally, the thesis offers a reference for other financial institutions in their practical operations within the same domain, contributing to the promotion of environmental protection and the sustainable development of green finance.