摘要
随着低碳经济时代的到来,绿色信贷业务对国民经济结构调整和企业转型升级起到推动作用。对我国商业银行绿色信贷产品发展的典型事实进行考察,数据结果表明:绿色信贷产品的创新成效逐渐显现,绿色信贷发展空间无限;我国商业银行绿色信贷产品缺乏创新性,在产品种类、抵质押物范围、期限类别方面同质性较为严重。为顺应绿色发展的时代潮流,绿色信贷产品创新不应只停留在宏观政策制定角度,更需要深入到产品细节操作层面。在加大绿色信贷产品推广力度及重视专业人才培养的同时,应将绿色信贷产品创新定位于产品本身的种类、抵质押物种类以及期限等维度。
With the advent of low-carbon economy era, green credit business plays a role in promoting the adjustment of national economic structure and the transformation and upgrading of enterprises, and this study investigates the typical facts of the development of green credit products in China commercial banks. The data results show that the innovative effect of green credit products is gradually emerging and the development space of green credit is infinite;and that the green credit products of China commercial banks lack innovation with more homogeneity in product types, pledge scope and term categories. In order to conform to the trend of green development, the innovation of green credit products should go deep into the level of product detail operation rather than just stay in the perspective of macro-policy making. The innovation of green credit products should be orientated in terms of product types, pledge types and duration while increasing the promotion of green credit products and paying attention to professional training.
作者
高晓燕
卢悦
陈晓晨
GAO Xiaoyan;LU Yue;CHEN Xiaochen(School of Finance,Tianjin University of Finance and Economics,Tianjin 300222,China;Seihan University,Mupu 530822,Republic of Korea)
出处
《山东财经大学学报》
2019年第6期36-45,共10页
Journal of Shandong University of Finance and Economics
基金
国家社会科学青年项目“国际金融治理中新型经济体提升话语权的政策选择及评价研究”(16CGJ004)
关键词
商业银行
低碳经济
可持续发展
绿色信贷
产品创新
commercial bank
low-carbon economy
sustainable development
green credit
product innovation
