商业银行设立绿色金融事业部的可行性研究

The Feasibility Study on the Establishment of Green Finance Division of Chinese Commercial Banks

近年来,国际绿色金融发展日臻成熟,我国绿色金融一经起步即进入快速发展阶段。随着绿色金融业务的发展,我国商业银行设立绿色金融事业部将有利于迅速推动绿色金融业务发展,助力战略转型,较好地实施差异化经营策略。绿色金融事业部主要为拥有绿色融资需求的机构客户、公司客户和私人客户提供服务,经营运作应坚持以客户为中心、收益与风险向匹配、集约化和专业化的原则,组织机制、运营管理机制和风险管理机制设计应满足独立核算、贴近市场、高效稳健运营的要求。绿色金融事业部通过创新项目融资、绿色信贷担保、绿色信贷中间业务、绿色金融债券、房屋抵押贷款、汽车及运输贷款、绿色销售与绿色支票等金融产品,尽可能满足绿色金融客户差异化、多元化、多层次的金融需求。

As the development of the international green finance is becoming more and more mature in recent years, Chinese green finance has stepped into a stage of rapid development. With the rapid development of green financial business, Chinese commer-cial banks setting up green financial division will promote the development of its green financial business and stimulate the strategic transformation and help to implement the differentiated business strategy. The green finance division mainly provides service to insti-tutional clients, corporate and individual clients. Its operation should adhere to the principle of customer-centered balancing the bene-fits and risks, intensification and specialization principle, which the organization mechanism, operation and management mechanism and risk management mechanism should satisfy the condition of the independent accounting, close to the market and efficient and sta-ble operation. Through the design of project financing products, green credit guarantee products, green credit intermediary business products, green financial bonds products, housing mortgage and loan products, vehicles and transformation loans and a basket of finan-cial products of the green sales and checks products, it makes possible to meet the green financial customers differentiated, diversified and multi-level financial needs.