双碳背景下我国银行业绿色金融发展研究

双碳背景下我国银行业绿色金融发展研究摘要“双碳目标”是习近平在第75次联合国大会上提出的，要达到“双碳目标”，我国的各种产业都要进行转型升级，对我国环境保护产业的资金需求日益增加，但目前我国环境保护产业的资金短缺，正是我国银行业绿色金融发展的有利时机。本文以如何促进我国银行业绿色金融发展为目标，首先通过对绿色金融的发展背景总结，对绿色金融国内外文献进行梳理，发现绿色金融对银行业的影响价值。其次，总结国开展绿色金融的理由、历程、现状。选取三家代表性的银行进行案例分析：描述其绿色金融业务内容，对比其绿色金融业务数据。最终根据文献研究发现我国银行业在绿色金融业务的发展方面存在六个问题：绿色金融标准体系不统一、绿色金融评价体系不统一、各银行绿色金融业务发展不均衡、绿色金融产品种类少且创新度不足、绿色信贷投放领域未能全面支持绿色经济发展、绿色贷款余额总量持续上升但占比偏低、风险防控体系薄弱、缺乏完整的组织架构和专业化队伍。并从政府、银行自身、社会三方面方面提出发展建议：制定统一绿色金融标准、推动绿色金融评价体系指标构建、推行绿色信贷政策激励制度、将绿色发展上升到战略层面、设立绿色金融事业部、推进绿色金融产品创新、完善绿色金融风险防控体系、注重人才培养。关键词：我国银行业：绿色金融：碳中和：碳达峰Research on the Development of Green Finance in China'sBanking Industry underThe Background of Double CarbonAbstractThe "double carbon target"was proposed by Xi Jinping at the 75th UN GeneralAssembly.To achieve the "double carbon target",various industries in China haveto be transformed and upgraded,and there is an increasing demand for funds forChina's environmental protection industry.The shortage of funds in China'senvironmental protection industry is a favorable time for the development of greenfinance in China's banking industry.This paper aims at how to promote thedevelopment of green finance in China's banking industry,firstly,by summarizingthe development background of green finance and combing the domestic and foreignliterature on green finance,we find the value of the impact of green finance onthe banking industry.Secondly,it summarizes the reasons,history and currentsituation of green finance carried out in the country.Three representative banksare selected for case studies:describing their green finance business contentsand comparing their green finance business data.Finally,according to theliterature research,six problems are found in the development of green financebusiness in China's banking industry:uneven green finance standard system,unevengreen finance evaluation system,uneven development of green finance businessamong banks,few types of green finance products and insufficient innovation,greencredit investment areas fail to fully support the development of green economy,total green loan balance continues to rise but the proportion is low,risk Italso put forward development suggestions from the government,the banks themselvesand the society:formulating unified green financial standards,promoting theconstruction of green financial evaluation system indicators,implementing greencredit policy incentive system,elevating green development to the strategic level,establishing green financial business units,promoting green financial productinnovation,improving green financial risk prevention and control system,andfocusing on talent training.Keywords:green finance;China's banking industry;Carbon neutrality;Carbonpeaking