| 摘要: |
| 商业银行布局碳金融，既是助力“双碳”目标的实现，也是实现高质量发展的内在需求。当前商业银行碳金融产品与服务创新方兴未艾，尤其是绿色信贷投放量快速增长，成为国内碳金融市场的主导产品之一。与此同时，碳金融组织架构与保障体系不断建立健全，为碳金融业务发展与创新奠定扎实基础。受专业人才紧缺、碳金融业务管理体系尚未完善、碳金融产品与服务较为单一等因素制约，商业银行碳金融业务面临一定挑战。尽管如此，在广阔市场需求及发展潜力下，碳金融业务仍有巨大发展与提升空间。本文结合“双碳”战略带来的形势变化，从健全碳金融治理架构、完善制度体系、强化创新与风险管理、加强专业人才队伍建设以及数字化赋能提升等方面探究商业银行碳金融业务转型发展策略与路径。 |
| 关键词: “双碳”战略；碳金融；机遇挑战；路径选择 |
| DOI： |
| 分类号:F832.1 |
| 基金项目: |
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| Opportunities，Challenges and Paths of Carbon Finance for Commercial Banks under the Framework of “Double Carbon” Strategy |
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CHEN Yi-hong
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（Office of the Board of Directors，Bank of Quanzhou）
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| Abstract: |
| Commercial banks’ layout of carbon finance promotes the realization of the “double carbon” goal，which is also the internal driving force for their own high-quality development.At present，the innovation of carbon financial products and services of commercial banks is on the rise，especially the rapid growth of green credit，which has become one of the leading products in the domestic carbon financial market.At the same time，the organizational structure and security system of carbon finance have been continuously established and improved，laying a solid foundation for the development and innovation of carbon finance.However，due to the shortage of professional talents，the incomplete management system of carbon finance business，and the relatively simple carbon finance products and services，commercial banks face certain challenges in carbon finance.Nevertheless，with the broad market demand and development potential，carbon finance still has a huge space for development and improvement.Combined with the situation changes brought by “double carbon”，this paper explores the transformation and development strategies and paths of commercial banks’ carbon finance from the perspectives of perfecting the carbon finance governance structure，perfecting the institutional system，strengthening innovation and risk management，strengthening the construction of professional personnel and enhancing digital empowerment. |
| Key words: “Double Carbon” Strategy；Carbon Finance；Opportunity and Challenge；Path Selection |
