我国商业银行碳金融业务发展研究

发布时间：2018-01-21 02:51

本文关键词： 低碳经济商业银行碳金融业务业务创新　出处：《山西财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：2013年以来，我国超过30个省（区、市）不同程度出现雾霾，受影响人口超过6亿人，形成了全球最大规模的环境灾害，中国因此成为国际社会高度关注的焦点。经研究发现，碳排放中的六种温室气体，其中有五种与PM2.5有关，可见，我国发展低碳经济已经迫在眉睫。要走低碳经济道路，离不开金融业的大力支持，我国商业银行作为金融体系的重中之重，企业融资的主渠道，必须逐步改变其经营战略，将注意力转移到碳金融领域，积极开展碳金融业务。据世界银行预测，到2020年，全球碳交易总额有望达到3.5万亿美元，并会超过石油市场成为第一大交易市场。面对如此庞大的市场，国外银行经过多年发展，已经在绿色信贷、碳基金、碳交易中间业务、碳金融衍生品交易业务等方面进行了金融创新并取得了重大进展。但我国国内银行却只是初步涉足，在诸多方面还存在不足。目前，国内商业银行针对碳金融的研究多集中在发展必要性、赤道原则的经验介绍、绿色信贷发展等方面，对商业银行碳金融业务具体如何发展研究甚少，，这正是本文的探究主体和任务。本文以商业银行碳金融业务作为研究对象。首先对低碳经济与碳金融的内涵和碳金融的理论基础进行研究，然后在分析我国商业银行发展碳金融业务带来的效应基础上，采用比较分析与案例分析相结合的方法对国内外商业银行碳金融发展现状进行研究，借鉴国内外成功经验，找出制约我国商业银行碳金融业务发展的因素，最终从经营理念、业务创新、风险管理、配套设施四个方面提出对策建议，引导我国商业银行更好的开展碳金融业务。
[Abstract]:Since 2013, more than 30 provinces (districts, municipalities) in China have appeared haze in different degrees, the affected population is more than 600 million people, forming the largest scale of environmental disasters in the world. As a result, China has become the focus of international attention. The study found that five of the six greenhouse gases in carbon emissions are related to PM2.5. The development of low-carbon economy in China is imminent. The road of low-carbon economy can not be separated from the support of the financial industry. Commercial banks are the most important part of the financial system and the main channel of enterprise financing. It is necessary to gradually change its management strategy, shift its attention to carbon finance, and actively carry out carbon finance business. By 2020, the World Bank predicts, global carbon trading is expected to reach $3.5 tillion, overtaking the oil market as the largest market. After years of development, foreign banks have been in green credit, carbon funds, carbon trading intermediary business. Carbon financial derivatives trading business and other aspects of financial innovation and has made significant progress, but our domestic banks are only preliminary involvement, in many areas are still inadequate. At present. Domestic commercial banks focus on the development of carbon finance in the necessity of development, equatorial principles of experience, green credit development and other aspects of the development of commercial banks carbon finance business specific research is very little. This is the subject and task of this paper. This paper takes the carbon finance business of commercial banks as the research object. Firstly, the connotation of low-carbon economy and carbon finance and the theoretical basis of carbon finance are studied. Then on the basis of analyzing the effect of the development of carbon finance business in China's commercial banks, the paper studies the current situation of carbon finance development of domestic and foreign commercial banks by using the method of comparative analysis and case analysis. Draw lessons from the successful experience at home and abroad, find out the factors that restrict the development of carbon finance business of commercial banks in China, and finally put forward the countermeasures and suggestions from four aspects: business concept, business innovation, risk management, supporting facilities. Guide our commercial banks to better carry out carbon finance business.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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