中文摘要：

本文基于利益相关者理论，调研梳理出中国商业银行实施绿色信贷的障碍因素，然后采用Grey—DEMATEL方法对障碍因素进行因果分析和重要性排序。结果表明，缺乏与绿色信贷配套的绩效评价标准和行业环保绩效评价指南等技术性政策，是实施绿色信贷的最根本障碍因素，而政府缺乏监督和监管机制是最重要的障碍因素。

英文摘要：

Based on the stakeholder theory, the authors of this paper smnmarize the obstacle factors of the green credits of Chinese commercial banks, use the Gray-DEMATEL method in the causal analysis of the obstacle factors, and rank the factors in order of importance. The results of the paper show that the lack of technical policies, such as the perfor- mance evaluation criteria of green credits and the performance evaluation guidelines of industrial environment protection, is the most fundamental obstacle factor of green credits, and the lack of governmental supervision and management mech- anism is the most important obstacle factor.