商业银行设立绿色金融事业部的若干问题探讨

发布时间：2018-01-03 16:25

本文关键词：商业银行设立绿色金融事业部的若干问题探讨　出处：《南方金融》2017年06期 　论文类型：期刊论文

【摘要】：随着绿色金融在我国的快速发展,商业银行有必要设立专门的绿色金融事业部,以满足客户的绿色金融服务需求,这是银行业推进战略转型、实施差异化和特色化经营的重要策略。商业银行设立绿色金融事业部可通过整体推进和局部突破两种形式来实现。绿色金融事业部的经营管理要坚持以客户为中心、以市场需求为导向,在经营风险与收益之间适当权衡,实现产品和服务的集约化与专业化。在机制创新方面,绿色金融事业部要建立和完善以下机制:集中决策、分散经营的决策管理机制,奖赏有别、权责分明的激励约束机制,专业化、复合型人才储备机制,立体化、精细化的营销机制,精细化、科学化的成本管理机制,以及分级授权、相互制衡的风险管理机制。
[Abstract]:With the rapid development of green finance in China, it is necessary for commercial banks to set up a special green finance department to meet the needs of customers' green financial services. This is a strategic transformation of the banking industry. The establishment of green finance division in commercial banks can be realized through both integral promotion and partial breakthrough. The management of green finance department should be centered on customers. Heart. Take the market demand as the direction, in the management risk and the income appropriate trade-off, realizes the product and the service intensification and the specialization, in the mechanism innovation aspect. The green finance department should establish and perfect the following mechanism: centralized decision-making, decentralized management decision management mechanism, different rewards, distinct power and responsibility of incentive and restraint mechanism, specialized, compound talent reserve mechanism, three-dimensional. Elaborate marketing mechanism, refined and scientific cost management mechanism, as well as hierarchical authorization, checks and balances of risk management mechanism.
【作者单位】：哈尔滨银行;中国人民银行固原市中心支行;
【分类号】：F832.33
【正文快照】： 一、前言发展绿色经济是经济发展的新机遇、新动力,对于有效应对世界经济复苏不确定、不稳定的形势,推动我国产业结构转型升级和金融改革提速,促进经济与社会、人与自然协调发展具有重要意义。绿色金融是绿色经济的核心。发展绿色金融,将成为我国经济结构调整、经济社会转型的

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