摘要
自2020年我国提出“碳达峰、碳中和”目标以来,商业银行已将绿色金融作为未来银行业发展的重要目标。近年来,商业银行主要通过绿色金融贷款形式,将资金集中投向企业B端开展绿色金融服务,而对零售C端的绿色金融发展模式仍处在探索阶段。商业银行应充分发挥客户资源的规模优势,将传统营销理论和网络整合营销原则相结合,开创C端绿色金融发展的创新商业模式,引导个人消费者参与绿色金融,从消费端刺激生产端不断向绿色低碳转型。
Since China introduced the goals of"peak carbon dioxide emissions and carbon neutrality"in 2020,commercial banks have taken green finance as an important goal for the future development of banking industry.In recent years,commercial banks have mainly focused their funds on carrying out green finance services at the enterprise B-side through green finance loans,while the green finance development model for the retail C-side is still in the exploration stage.Commercial banks should make full use of the scale advantage of customer resources,combine traditional marketing theories with network integrated marketing principles,create an innovative business model for green finance development at the C-side,guide individual consumers to participate in green finance,and continuously stimulate transformation of the production side to green and low-carbon from the consumption side.
作者
桑爱博
SANG Aibo(China Construction Bank Beijing Branch,Beijing 100053,China)
出处
《商业观察》
2023年第17期54-57,共4页
BUSINESS OBSERVATION
关键词
商业银行
绿色金融
C端
创新发展模式
commercial banks
green finance
C-side
innovative development model
