低碳经济与商业银行业务模式的转变

Low-Carbon Economy and the Change of Commercial Bank's Business Model

商业银行将在发展低碳经济过程中,包括在节能、减排和清洁能源方面大有作为。商业银行应积极转变和调整业务模式,利用商业银行信贷政策的调控手段,通过信贷供给的杠杆导向作用,引导产业结构的调整,促使产业发展走上良性轨道。业务模式的转变与调整包括绿色信贷政策创新,实行区域化与差别化的信贷政策,再造商业银行产品服务模块,实行"1+X"综合营销运作模式,与社会各职能部门高度合作,商业银行卖出部分资产并对增量和存量进行调整,激活商业银行的营运资金,为发展低碳经济储备信贷资金。

In the process of developing a low carbon economy, commercial banks will play important roles in many fields, including energy saving, emission reduction and clean energy. Commercial bank should actively change and adjust business model, utilize the regulation means of commercial bank＇ s credit policy and the leverage and guide functions of credit supply, to lead the adjustment of industrial structure and promote industrial progress in a healthy track. The change and adjustment of business model include the innovation of green credit policy, the regionalization and differentiation of the credit policy, the re-construction of commercial bank＇ s products and services modules, the implementation of ＂1 ＋ X＂ integrated marketing operation, the close cooperation with various social functional departments, the sale of partial assets, the adjustment of the increments and stock assets, the activation of commercial bank＇ s operational capital and the reservation of credit funds for the development of low-carbon economy.