我国绿色金融发展的现状与建议

Current situation and suggestions of green finance development in China

绿色金融是我国加快金融产业升级、实现可持续发展的关键因素,从经营理念、目标、政策和风险等方面区别于传统金融,代表了未来金融发展的新趋势与新方向,是金融领域的一场创新与变革。开展绿色金融对于推动区域经济可持续发展、促进产业转型升级、加快推进社会进步具有重要意义。从我国目前绿色信贷、绿色债券、绿色基金、绿色保险及碳交易碳金融的发展现状来看,我国绿色金融仍存在着标准不统一、法律制度不健全、市场参与度不高以及产品创新不足等问题。为此,应制定统一的标准、完善法律制度体系、提高市场参与度、推动产品创新等,以此来促进绿色金融在我国的发展。

Green finance is the key factor to accelerate the upgrading of financial industry and achieve the sustainable development in China.It is different from traditional finance in terms of management concept,objective,policy and risk,represents the new trend and direction of financial development in the future,and is an innovation and change in the financial sector.The development of green finance is of great significance for pushing sustainable development of regional economy,promoting industrial transformation and upgrading,and accelerating social progress.According to the current situation of the development of green credit,green bond,green fund,green insurance,carbon trading and carbon finance in China,there still exist different standards,imperfect legal system,low market participation and insufficient product innovation in green finance.To this end,it’s necessary to formulate unified standards,improve legal system,enhance market participation and push product innovation to promote the development of green finance in China.