摘要
随着更多的银行加入赤道原则,绿色金融模式已成为商业银行发展共识,其创造的巨大融资需求将为“碳达峰、碳中和”目标搭建桥梁。兴业银行作为国内首家“赤道银行”,始终将绿色低碳转型作为长期发展目标,积极履行环境和社会责任。本文研究兴业银行绿色金融发展规模及相关产品服务,总结其开展绿色金融业务的成功经验,并从经营效益和外部效益两个角度分析绿色金融对兴业银行整体发展的影响。研究得出:绿色金融一方面提高了兴业银行的盈利能力、降低经营风险;另一方面,可以产生较大的环境效益,推动国家“双碳”目标实现。最后,本文对兴业银行绿色金融发展提出建议,并启示我国其他商业银行尽快建立起符合自身战略定位的绿色金融体系。
As more and more banks join the Equator Principles,the green finance model has become the consensus of commercial banks,and the huge financing demand it creates will build a bridge for carbon peaking and carbon neutralization.As the first"Equator Bank"in China,Industrial Bank has always incorporated environmental and social responsibility risk factors into the whole process of financing management of financing enterprises,and actively implemented sustainable development strategies and ecological protection strategies.This paper uses the case analysis method to study the development history and related products of Industrial Bank s green finance,summarizes its successful experience in developing green finance business,and studies the impact of green credit rate on the return on equity of Industrial Bank with the empirical analysis method.The results show that the improvement of the level of green credit will not have a positive impact on the benefits of Industrial Bank in the short term,but in the long run,the green financial model is conducive to its own sustainable development.Finally,the paper puts forward suggestions on the development of Industrial Bank s future green financial model,and enlightens other commercial banks in China to establish a green financial system that conforms to their own strategic positioning.
作者
杨铠玮
YANG Kai-wei(Business School of Gansu University of Political Science and Law)
出处
《当代金融研究》
2022年第11期65-76,共12页
Journal of Contemporary Financial Research
基金
甘肃省高等学校创新基金项目“‘文化+’业态融合驱动甘肃乡村文化振兴研究”(2021B-182)。
关键词
绿色金融
兴业银行
社会责任
Green Finance
Industrial Bank
Social Responsibility
