商业银行绿色金融发展过程中存在的问题及对策

On the Development of Green Finance in Commercial Banks

为推动我国社会主义市场经济可持续发展,我国政府决定将生态文明建设纳入到国家发展计划中来,绿色经济逐渐成为人们生活的主流趋势。商业银行在这个大背景下也开始积极探索绿色金融的发展之路,试图通过绿色金融来转变自身的经营模式,实现银行的可持续发展。然而,在绿色金融发展的过程中,商业银行存在缺乏专业技术人员、完善的政策制度体系、有力的激励约束机制以及绿色金融产品单一等问题。因此,建议应加强绿色金融专业人才培养、建立健全法律法规体系、发挥政府宏观调控作用、加快绿色金融产品创新。

In order to promote the sustainable development of China’s socialist market economy, The Chinese government has decided to integrate the construction of ecological civilization into the national development plan. Green economy has gradually become the mainstream trend of people’s life.In this context, commercial banks have also begun to actively explore their green development road, trying to transform the existing business model and thus realizing sustainable development. However, commercial banks are short of professionals, sound policy system and powerful incentive & restraint mechanism. The single variety of green financial products is also a problem. Therefore, it is suggested to strengthen the training of green finance professionals, establish a sound legal system, give play to the role of the government in macro-control and accelerate the innovation of green financial products.