I商业银行绿色信贷创新研究——以中国工商银行为例摘 要改革开放以来，我国经济发展矛盾与环境恶化问题日益显露，给民众的生活带来较大影响。作为国家调控经济核心的商业银行，在经济运行的同时应注意协调好对环境的保护。在此背景下，商业银行催生了一个强有劲的“绿色信贷”体系，推动经济低碳发展。通过绿色新颖贷款形式及新型信贷产品策略，引导金融资源绿色配置，合理控制环境风险与信贷风险，为进一步推广可持续发展理念和创新低碳金融产品具有积极性影响。本文通过阐述绿色信贷来源特征以及相关理论支撑，对我国商业银行绿色信贷发展现状进行分析，以中国工商银行为例，研究创新存在的问题，一方面汲取国外银行先进经验，另一方面与国内其他商业银行对比实践体验，从成功尝试中借鉴经验, 以期为中国工商银行绿色信贷业务的创新发展提供一些可行可靠的思路。关键词：商业银行；绿色信贷；创新低碳金融IIResearch on green credit innovation of commercial banks--Take Industrial and Commercial Bank of China as an exampleAbstractWith the reform and opening up, the contradictions in China's economic development and environmental degradation have become increasingly apparent, which has had a greater impact on people's lives. As the core of the country's economic regulation and control, commercial banks should pay attention to coordinating the protection of the environment while the economy is operating. Against this background, commercial banks have spawned a strong “green credit” system to promote low-carbon economic development. Through green and novel loan forms and new credit product strategies, guide the green allocation of financial resources, reasonably control environmental risks and credit risks, and play an active part in further boosting the concept of green economy and innovating low-carbon financial products. This article analyzes the origin of green credit and interrelated theories, elaborates the current status of green credit development in China's commercial ba...
