我国商业银行低碳金融业务发展

河北大学

硕士学位论文

我国商业银行低碳金融业务发展

姓名：贾莹

申请学位级别：硕士

专业：金融学

指导教师：鲍静海

2011-06

摘 要

全球气候变化的威胁、国际金融危机的冲击、经济快速发展的资源环境约束带来的一系列问题，使得转变经济发展方式刻不容缓，而低碳经济、低碳文明是应对气候变化、实现经济社会可持续发展的有效途径。当前低碳经济被赋予众望，誉为引领全球新一轮经济增长的“第四次产业革命”，各国纷纷把低碳作为金融危机后时代的国家经济发展战略，这为我国转变经济发展方式、发展低碳金融提供了历史机遇。国际碳金融市场作为金融体系应对气候变化的创新机制，近年来获得了迅猛发展也印证了这一点。低碳金融是促进低碳经济发展的重要机制，而银行业作为我国金融体系的主力军应把握机遇，顺应国际国内经济发展需求，勇于创新，积极发展低碳金融，推动我国低碳经济转型的同时为自身开辟新的盈利机会。

本文运用理论与实证研究相结合的方法，在详细分析了我国商业银行发展低碳金融的机遇、挑战、优势和劣势后，对我国银行低碳金融发展策略提出一些具体建议。论文首先阐述了国外低碳金融的发展作为我国的研究背景和参考经验，同时介绍了我国低碳金融的发展现状；然后对我国商业银行发展低碳金融进行SWOT分析，客观认识银行发展低碳金融的优势、劣势、面临的机遇和挑战，以做到知己知彼，扬长避短，做好战略选择；最后提出银行践行低碳金融的对策建议，一是银行自身方面，应加强基础能力建设，包括建立低碳金融治理结构和业务政策、加强同业学习与合作、加强营销等；对如何进行低碳金融业务模式创新，从低碳信贷、项目融资、中间业务及表外业务方面提出具体建议；对如何加强低碳金融业务的风险防范，阐明了CDM项目风险、政策风险、市场风险及衍生品交易风险及防范措施。二是完善外部政策环境方面，从加强低碳金融政策的激励监督作用，加快碳市场机制建设，完善促进低碳金融发展的配套政策措施、健全低碳金融相关法律法规方面提出建议。

关键词 低碳金融 商业银行 低碳信贷 CDM 业务创新 风险管理

Abstract

A series of problems caused by the threat of global climate change, impact of the international financial crisis, resources and environment constraints of rapid economic development make the transformation of economic development mode urgent. Low carbon economy and low carbon civilization is an effective way to respond to climate change and realize economic and social sustainable development. The low carbon economy is endowed with great hope as "the fourth industrial revolution" leading global economic recovery, this provides a historical opportunity to China's transformation of economic mode and the development of low carbon financial, and in recent years international carbon financial market gained rapid development as the financial innovation mechanism in response to climate change just proves that. Banks as the mainstay of China's financial system should grasp the opportunity, comply with international and domestic economic development needs, develop low carbon financial innovatively and actively, which not only promote China's low carbon economic transformation but also open up new profit space for banks.

This paper using theory and empirical research methods analyses detailed the strengths, weaknesses, opportunities and threats faced by commercial banks developing low carbon financial in China, and proposes a series of strategies and suggestions. Firstly, the paper expounds the development of foreign low carbon financial as our country research background and referenced experiences, and introduces the present situation of low carbon financial development in China. Secondly, analyses the strengths, weaknesses, opportunities and threats faced by commercial banks developing low carbon financial in China, in order to make good strategy choices which enhance strong points and avoid weaknesses. Thirdly, it puts forward some countermeasures of banks practicing low carbon finance, On the one hand is the bank itself efforts , on the other hand is external policy environment support .Banks should strengthen basic ability construction, including the establishment of bank governance structure and low carbon financial business policy, strengthening cooperation and study with the same trade, strengthening marketing etc. On how to innovate low carbon financial business , the paper gives some suggestions from low carbon credit, project financing, bank