摘要发展绿色金融是我国商业银行金融服务创新的重要战略，对社会经济发展和生态环境保护有着深刻意义。虽然目前国内商业银行绿色金融服务创新的状况良好，绿色金融在银监会等其他机构部门的大力支持下有广阔的发展前景，但法律制度的不健全、信息资源的不对称、产品的单一选择等问题都给商业银行创新之路增添了难度。在这条金融创新之路上，商业银行不仅要转变以往传统的发展理念，逐渐形成新的可持续发展经营模式，还要积极稳固后部力量，加强组织机构建设，挖掘、培养优秀人才和专业团队，深入市场调研为金融产品的推陈出新做充分的准备。银行外部的激励和扶持政策、绿色金融的法律规章制度也都是商业银行金融服务创新所需要的支撑和保障条件。政府部门和社会各方应积极发挥自身的职能和作用，完善相关财税政策和经济扶持政策，努力构建绿色金融法律体系，搭建多方位的信息交流平台为投资者提供更良好的市场环境，以促进商业银行绿色金融服务的实践与创新。关键词：绿色金融；商业银行；金融创新AbstractThedevelopmentofgreenfinanceisanimportantstrategyfortheinnovationoffinancialservicesinChina'scommercialbanks,whichisofgreatsignificancetothesocialandeconomicdevelopmentandecologicalandenvironmentalprotection.Althoughthedomesticcommercialbanksinthegreenfinancialservicesinnovationingoodcondition,thegreenfinanceintheCBRCandotherinstitutionaldepartmentsunderthestrongsupportofthebroadprospectsfordevelopment,butthelegalsystemisnotsound,informationresourcesasymmetry,productselectionandotherissuesGavethecommercialbankinnovationroadaddeddifficulty.Inthisfinancialinnovationontheroad,commercialbanksnotonlytochangethetraditionalconceptofthedevelopmentofthepast,andgraduallyformanewsustainabledevelopmentbusinessmodel,butalsoactivelystabilizetherearforcestostrengthentheorganizationandconstruction,mining,trainingtalentsandprofessionalteam.In-depthmarketresearchfortheintroductionoffinancialproductstomakefullpreparations.Bankexternalincentivesandsupportpolicies,greenfinancelawsandregulationsarealsocommercialbanksfinancialservicesinnovationrequiredsupportandsecurityconditions.Governmentdepartmentsandthecommunityshouldactivelyplaytheirownfunctionsandfunctions,improvetherelevantfiscalandtaxationpoliciesandeconomicsupportpolicies,andstrivetobuildagreenfinanciallegalsystem,buildamulti-facetedinformationexchangeplatformforinvestorstoprovideabettermarketenvironmenttopromotePracticeandInnovationofCommercialBank'sGreenFinancialService.Keywords:greenfinance；commercialbank；financialinnovation；目录1引言................................................................................................11.1绿色金融的基本概念与特点.........................................................11.2发展绿色金融的意义.....................................................................12当前商业银行发展绿色金融的必要性.........................................32.1有利于商业银行承担社会责任.....................................................32.2有利于商业银行服务于经济结构调整和产业结构转型..............42.3有利于商业银行防范环境风险.....................................................42.4有利于商业银行和企业的共同发展.............................................52.5有利于商业银行增强国际竞争力.................................................63绿色金融体制下商业银行金融服务创新的机遇和挑战.............73.1商业银行金融服务创新面临的机遇.............................................73.1.1国内绿色金融发展前景广阔..................................................73.1.2银监会助推银行业绿色信贷...
