商业银行绿色信贷面临的挑战与对策探究

Research on the Challenges and Countermeasures of Green Credit of Commercial Banks

在绿色发展的大趋势下,绿色金融受到了越来越多国家和地区政府及金融机构的重视,而绿色信贷是其重中之重。近年来我国绿色信贷快速发展,成为助推绿色发展和生态文明建设的重要力量,但与此同时,我国绿色信贷在法律法规、激励机制、专业能力以及风险评估控制等方面面临诸多挑战,如何攻坚克难,化挑战为机遇,是当前我国绿色信贷业务发展面临的重要课题。

Nowadays, as green development has become a trend, green finance has been paid more and more at-tention from governments and financial institutions all over the world. Among numerous kinds of businesses in green finance, green credit business is the top priority. In recent years, the rapid development of green credit has promoted the green development and ecological civilization construction in China vigorously,while it simultaneously faces many challenges. The challenges come from several aspects, including laws and regulations, incentive mechanisms, professional capabilities, and risk assessment and risk control. How to overcome and turn these challenges into opportunities is an important issue that China’s green credit is fac-ing.