商业银行碳金融中间业务创新研究

Research on Carbon Finance Intermediary Business Innovation of Commercial Banks

作为碳金融主要参与者的商业银行,除了绿色信贷,还可以发挥自己的专业特长,拓展中间业务,为客户提供碳金融理财、信托、信用卡、账户管理、财务顾问以及信用评估与保函等服务。对碳金融兴起的背景、概念进行简单梳理,重点对国内外商业银行碳金融中间业务的创新实践、典型案例进行分析借鉴,旨在创新中间业务运作模式,挖掘碳金融市场潜力,提升中间业务的服务质量和水平,以提升我国商业银行碳金融的国际竞争力。

As a major player in carbon finance in commercial banks, carbon finance innovation, in addition to green cred it, can play its own professional expertise to expand the intermediate business, providing customers with carbon financial planning, trust, credit cards, account management, financial advisers, and credit assessment guarantees and other serv ices. The paper combs the background of the rise of carbon finance, the concept of simple innovative practice by focusing on domestic and foreign commercial banks in the middle of the carbon finance business. It analyzes the typical case, aiming at the innovative carbon financial intermediary business operation mode to tap the carbon finance market service quality and level of the potential, enhance the fee based business, foster the international competitiveness of China commercial bank carbon finance.