摘要
绿色低碳可持续产业转型、全面乡村振兴及碳市场的建立和发展为商业银行发展带来机遇。同时,金融市场竞争加剧、中小银行竞争成本显著提高,绿色低碳金融品种及规模相对缺乏,金融科技赋能不足等为商业银行绿色低碳可持续转型带来挑战。文章提出碳达峰、碳中和即“双碳”目标背景下,发展绿色低碳可持续金融供给业务是商业银行面临的机遇和挑战,探讨了“双碳”目标背景下商业银行的转型策略。
The transformation of green,low-carbon and sustainable industries,comprehensive rural revitalization and the establishment and development of carbon markets have brought opportunities for the development of commercial banks.At the same time,the competition in the financial market has intensified,and the competition cost of small and medium-sized banks has increased significantly.The variety and scale of green and low-carbon finance are relatively lacking.And the lack of financial technology(FinTech)empowerment has brought challenges to commercial banks’green,low-carbon and sustainable transformation.This paper proposes that under the background of carbon peaking and carbon neutrality,namely“dual carbon”goals,the development of green,low-carbon and sustainable financial supply business is an opportunity and a challenge for commercial banks,and discusses the transformation strategies of commercial banks under the background of“dual carbon”goals.
作者
曾宪影
Zeng Xianying(Nanjing Audit University,Jiangsu,Nanjing,211815)
出处
《科技智囊》
2022年第3期31-37,共7页
Think Tank of Science & Technology
关键词
商业银行
绿色低碳可持续金融
机遇与挑战
转型策略
Commercial bank
Green low-carbon sustainable finance
Opportunity and challenge
Transformation strategy
