摘要
首先阐述绿色金融的相关理论,再从绿色金融如何通过中间业务、风险管理等方面影响银行的盈利能力进行剖析,得出发展绿色金融虽然会增加短期资本,但从长远看可以提高商业银行的中间业务收入和经营管理能力的结论。最后以招商银行为例进行分析,并提出以下建议:商业银行应加强对绿色金融产品的研究与开发,借助金融科技力量发展绿色金融;政府应制定绿色金融政策,建立绿色信贷激励机制,建立健全环保信息共享机制和沟通机制。
This paper first describes the relevant theories of green finance, and then analyzes the influence of green finance on the profitability of banks through intermediate business, risk management and other aspects.It is concluded that despite the increase of short-term capital, the development of green finance can improve the intermediate business income of commercial banks and their management ability in the long run.On the basis of the case analysis of China Merchants Bank, we propose that banks should strengthen the research on green financial products and develop green finance with the help of fintech.Furthermore, the government should formulate green financial policies, establish green credit incentive mechanism and improve the mechanisms of environmental protection information sharing and communication.
作者
吴敏惠
杨雪虹
WU Minhui;YANG Xuehong(School of Business,Putian University,Putian Fujian 351100,China)
出处
《莆田学院学报》
2022年第6期46-55,共10页
Journal of putian University
关键词
绿色金融
商业银行
盈利能力
招商银行
green finance
commercial banks
profitability
China Merchants Bank