双碳目标下商业银行发展转型金融的对策研究

Research on the Countermeasures for Commercial Banks to Develop Transitional Finance under the Dual Carbon Target

“双碳”目标倡导绿色、环保、低碳的生活方式,是中国实现高质量可持续发展的必然选择,实现目标需要商业银行转型绿色金融产品。本文阐述商业银行信贷支持高碳行业低碳转型实践过程政策特点和面临困境,从制定转型金融活动目录、加强转型金融信息披露、创新转型金融产品服务、防范转型金融系统风险、拓展转型金融数字技术运用等方面提出商业银行发展转型金融的对策建议。

The“dual carbon”goal advocates a green,environmentally friendly,and low-carbon lifestyle,which is an inevitable choice for China to achieve high-quality and sustainable development.Achieving the goal requires commercial banks to transform into green financial products.This paper expounds the policy characteristics and difficulties of commercial banks'credit support for low-carbon transformation of high carbon industries,and puts forward countermeasures and suggestions for commercial banks to develop transformation finance from the aspects of developing transformation finance activity catalogue,strengthening transformation finance information disclosure,innovating transformation financial products and services,preventing transformation finance Systemic risk,and expanding the application of transformation finance digital technology.