绿色发展视角下中国绿色金融发展问题探讨

Discussion on the Development of Green Finance in China from the Perspective of Green Development

发展绿色金融既是防范和抵御环境风险的内在要求、促进绿色发展的必然选择,也是金融机构承担的社会责任以及推动金融创新的有效途径。当前,中国绿色金融产品的主要种类包括绿色信贷、绿色债券、绿色投资基金以及绿色保险,其发展过程中突出存在着绿色金融服务国际化程度低、金融机构在绿色金融服务领域参与率低、绿色金融产品的种类单调、绿色金融产品发展不均衡以及相关的法律法规不健全等问题,应重点从以下几个方面着手改进或完善：一是加大绿色金融发展的政策鼓励与财政支持力度;二是引导金融机构积极参与国际绿色金融市场;三是鼓励金融机构开展绿色金融产品与服务创新;四是完善绿色金融发展的法律体系。

Developing green finance is an inherent requirement to prevent and resist environmental risks,the inevitable choice of promoting green development,the social responsibility of financial institutions to undertake and the effective ways to promote financial innovation. Currently,Chines financial support for green investment mainly includes green credit, green bonds,green funds and green insurance. There are prominent problems in the development process including low degree of internationalization of financial services,low participation rate of financial institutions in the green financial services types drab and uneven development of the green financial products,unsound related laws and regulations and so on. The following to be improved include: First is to increase the policy encouragement and financial support,second is to guide financial institutions to actively participate in international financial markets,third is to encourage financial institutions to carry out the green financial products and services,four is to improve the legal system of the green financial development.