中国商业银行的碳金融业务模式研究

发布时间：2018-05-22 13:39

本文选题：碳金融 + 商业银行　；参考：《北京交通大学》2012年硕士论文

【摘要】：全球变暖对地球来说是一大挑战,同时对世界经济的发展也是一大机遇。全球变暖催生了低碳经济,并随之产生了碳交易市场与碳金融行业。据世界银行预测,2012年全球碳交易市场容量将达到1500亿美元,有望超过石油市场成为全球第一大市场。对面如此庞大的市场,国外以商业银行为首的金融机构已形成了相对成熟完善的市场机制；随着经济重心转向低碳经济与可持续发展,中国越来越多的金融机构,以商业银行为主,把注意力转移到了碳金融领域,并进行业务创新尝试。但国内商业银行仍只是初步涉足,问题明显,包括碳金融业务单一与其他市场参与者缺乏联系。目前国内针对这方面的研究主要从市场体系、政策、碳金融业务的开展难度等论述,就环境和业务分析而言,也只是从单边的角度及业务内容角度,并没有考虑市场体系的多边性,也没有从市场需求的角度考虑业务的开展和丰富,研究不够深入。本文首先介绍了碳金融的相关理论,之后从政策支持、碳交易市场、金融与中介服务机构三方面介绍了国际碳金融行业的发展,并总结了中国碳金融的发展现状,通过对比研究法深入分析导致问题的原因。基于原因分析,根据目前的中国情况,选择商业银行为国内碳金融行业发展的突破口,根据碳金融行业的政策导向性,提出通过两个阶段来实现国内商业银行业务模式的构建。第一阶段为“基础金融业务”发展阶段,将业务开展重心放在绿色理财信贷业务与基于CDM项目开展的业务两项上,旨在为国内碳金融市场创造潜在客户与保证碳减排量供应。第二阶段为“高级金融业务”发展阶段,将业务重心转移到碳金融衍生品交易与基于碳交易市场的交易服务上,并在传统银行业务稳定的基础上,向资本市场上的其他金融业务领域拓展。为实现该设想,本文从政策、市场体系、人类培养三个角度提出对策建议。本文的创新点有两方面：首度引入妇边市场理论对碳金融市场体系进行论述,从多边的角度去考虑整个碳金融行业,而不再只是单边的去分析这个体系,深化了商业银行与其他市场参与者的联系的研究；其二,首次提出客户价值缺乏这一想法,我认为,碳金融在我国发展最大的阻碍是国内客户价值缺乏,这也是造成目前国内碳金融发展各种问题的根本原因所在。其三,提出了通过两个阶段的发展来实现相对理想的商业银行碳金融业务模式构建。
[Abstract]:Global warming is a great challenge for the earth and an opportunity for the development of the world economy. Global warming has spawned a low-carbon economy, with which carbon trading markets and carbon finance have emerged. The World Bank forecasts that the global carbon trading market will reach $150 billion in capacity in 2012, which is expected to overtake the oil market as the world's largest market. Facing such a large market, foreign financial institutions headed by commercial banks have formed a relatively mature market mechanism. As the economic focus shifts to a low-carbon economy and sustainable development, more and more financial institutions in China, To commercial banks, the focus on carbon finance, and business innovation attempt. But domestic commercial banks are still only beginning to get involved, with obvious problems, including a lack of links between carbon finance and other market participants. At present, domestic research on this aspect is mainly discussed from the market system, policy, the difficulty of developing carbon finance business, and so on. In terms of environment and business analysis, it is only from a unilateral perspective and business content perspective. It does not consider the multilateral nature of market system, nor does it consider the development and enrichment of business from the point of view of market demand, so the research is not deep enough. This paper first introduces the relevant theories of carbon finance, then introduces the development of international carbon finance industry from three aspects: policy support, carbon trading market, finance and intermediary services, and summarizes the development status of carbon finance in China. The causes of the problems are analyzed through comparative research. Based on the analysis of the reasons, according to the current situation in China, commercial banks are chosen as the breakthrough point of the development of domestic carbon finance industry. According to the policy guidance of the carbon finance industry, two stages are put forward to realize the construction of the domestic commercial banks' business model. The first stage is the development stage of "basic financial business", which focuses on green financing credit business and business based on CDM project, aiming at creating potential customers and ensuring carbon abatement supply for domestic carbon finance market. The second stage is the "advanced financial business" development phase, which focuses on carbon derivatives trading and trading services based on the carbon trading market, and on the basis of the stability of the traditional banking business. Expand into other areas of financial business in the capital markets. In order to realize this assumption, this paper puts forward countermeasures and suggestions from three angles: policy, market system and human cultivation. The innovation of this paper has two aspects: the first introduction of the women-side market theory to the carbon financial market system, from a multilateral perspective to consider the entire carbon finance industry, rather than just unilateral analysis of the system, It deepens the research on the relationship between commercial banks and other market participants. Secondly, it is the first time to put forward the idea that customer value is lacking. In my opinion, the biggest obstacle to the development of carbon finance in China is the lack of customer value in China. This is also the root cause of all kinds of problems in the development of domestic carbon finance. Thirdly, two stages of development are proposed to realize the construction of a relatively ideal commercial bank carbon finance business model.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F205

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