我国商业银行碳金融创新能力评价研究

发布时间：2018-03-06 16:57

本文选题：商业银行　切入点：碳金融创新　出处：《合肥工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：商业银行开展碳金融创新活动，既是我国银行业参与国家低碳经济发展进程的表现，同时也对促进银行自身的经营业务转型和优化有着重要意义。论文通过对商业银行现阶段的碳金融创新能力评价研究，找出其在碳金融创新过程中的优势和不足之处，，对我国商业银行制定今后的碳金融创新发展战略有着重要的指导意义，同时也有利于进一步提高商业银行为国家低碳经济发展服务的水平。论文借鉴传统的金融创新理论，结合我国商业银行的碳金融发展特征，界定出商业银行的碳金融创新的概念。基于金融创新动因理论的内因观和外因观，分析商业银行碳金融创新的收益能力、业务创新能力、创新风险控制能力、创新人力资源管理能力和创新技术应用能力等五个动力要素，并构建了相应的商业银行碳金融创新能力评价指标体系。运用层次分析法对我国十六家上市商业银行2010-2011年的碳金融创新能力现状进行了案例分析，得到的评价结果是：碳金融创新收益能力、碳金融业务创新能力和碳金融风险控制能力等三个指标是影响商业银行碳金融创新能力的关键动力要素；大型商业银行的碳金融创新能力综合得分整体略逊于股份制商业银行，其碳金融业务创新和碳金融创新技术应用能力较强，而股份制商业银行在碳金融创新收益、碳金融创新风险控制和碳金融人力资源管理三个方面优势明显。最后，根据评价结果和具体指标的分析，总结得出商业银行碳金融创新能力的提高需要在对碳金融创新的收益、产品、风险、人才和技术等方面全面改进的基础上，更加重视在碳金融创新收益、业务创新和风险控制能力等方面的提升。
[Abstract]:The commercial bank carries out the carbon finance innovation activity, is our country's banking industry participates in the national low carbon economy development process performance, At the same time, it is of great significance to promote the transformation and optimization of banks' own management business. Through the research on the evaluation of commercial banks' carbon finance innovation ability at present, the paper finds out its advantages and disadvantages in the process of carbon finance innovation. It has important guiding significance for Chinese commercial banks to formulate the innovative development strategy of carbon finance in the future, and at the same time, it is helpful to further improve the level of commercial banks' service for the development of national low-carbon economy. Based on the traditional theory of financial innovation and the characteristics of carbon finance development of commercial banks in China, the paper defines the concept of carbon financial innovation of commercial banks. The paper analyzes the five driving factors of carbon finance innovation in commercial banks, such as profit ability, business innovation ability, innovation risk control ability, innovative human resource management ability and innovative technology application ability. The evaluation index system of carbon finance innovation ability of commercial banks is constructed, and the present situation of carbon finance innovation ability of 16 listed commercial banks in our country in 2010-2011 is analyzed by using analytic hierarchy process (AHP). The evaluation results are as follows: the carbon finance innovation ability, the carbon finance business innovation ability and the carbon finance risk control ability are the key driving factors that affect the carbon finance innovation ability of the commercial banks; The comprehensive score of carbon finance innovation ability of large commercial banks is slightly lower than that of joint-stock commercial banks. The carbon finance business innovation and carbon finance innovation technology application ability of large commercial banks are relatively strong, while the joint-stock commercial banks have the benefit of carbon finance innovation. The advantages of carbon finance innovation risk control and carbon finance human resource management are obvious. Finally, according to the analysis of evaluation results and specific indicators, it is concluded that the improvement of carbon finance innovation ability of commercial banks needs to benefit from carbon finance innovation. On the basis of comprehensive improvement in product, risk, talent and technology, we pay more attention to the improvement of carbon finance innovation income, business innovation and risk control ability.
【学位授予单位】：合肥工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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