| 摘要: |
| 摘要：绿色信贷对于实现双碳目标、推动我国绿色金融高质量发展具有重要意义。在一系列绿色金融政策引导下，我国绿色信贷余额持续攀升，为中小银行加快绿色金融业务转型和增强竞争力创造了有利条件。但市场准入门槛过高、绿色项目披露机制欠缺以及自身抗风险能力弱等问题是中小银行绿色信贷发展面临的现实挑战。着眼于发挥中小银行与地方经济深度融合的天然优势，本文针对中小银行的配套机制与业务发展模式，提出了强化政策引领、提升产品创新能力、优化金融服务模式、强化考核激励力度以及重视人才队伍建设等对策建议。 |
| 关键词: 关键词：中小银行；绿色信贷；双碳；发展对策 |
| DOI： |
| 分类号:F832.2 |
| 基金项目: |
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| Research on Green Credit Development and Countermeasures for Small and Medium-Sized Banks |
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JI Jie
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(Great Wall West China Bank Co.，Ltd)
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| Abstract: |
| Abstract：Green credit is of great significance to achieve the dual carbon goal and promote the high-quality development of green finance in China.Under the guidance of a series of green finance policies，China’s green credit balance has continued to rise，creating favorable conditions for small and medium-sized banks to accelerate the transformation of green finance business and enhance their competitiveness.However，problems such as high market access thresholds，lack of green project disclosure mechanisms，and weak anti-risk capabilities are practical challenges faced by small and medium-sized banks in the development of green credit.Focusing on the natural advantages of the deep integration of small and medium-sized banks and local economy，this paper puts forward countermeasures and suggestions for strengthening policy guidance，improving product innovation capabilities，optimizing financial service models，strengthening assessment incentives，and attaching importance to the construction of talent teams in view of the supporting mechanisms and business development models of small and medium-sized banks. |
| Key words: Key words：Small and Medium-sized Banks；Green Credit；Dual Carbon；Development Responses |
