金融学院知识库

      实现“碳达峰”“碳中和”是推动经济高质量发展的内在要求，推动绿色低碳转型发展，绿色金融是不可或缺的一环，银行是我国绿色金融助力“双碳”目标实现的主力军。在“双碳”目标下，兴业银行作为国内首家履行赤道原则的商业银行，一方面，绿色金融产品和服务创新方面始终处于行业前列，创造了国内绿色金融领域的多项第一：提供碳账户等各类绿色金融产品，碳中和债券、蓝色债券等创新业务开始涌现，兴业银行绿色金融发展正向更深层次迈进。另一方面，无论是绝对规模还是绿色贷款增长比例均处于上市股份行首位，截至2022年11月，累计投放绿色金融融资6227亿元，较年初增幅达39%。因此，在“双碳”目标背景下，对兴业银行绿色金融创新发展现状进行研究分析具有较强的借鉴意义。

      本文运用文献研究法和案例分析相结合的方法，厘清兴业银行在绿色金融方面的创新实践情况，总结梳理兴业银行绿色信贷、绿色债券和碳金融的创新实践，研究得出，兴业银行主要采取以下举措：（1）加强顶层设计，强化战略引领；（2）健全激励机制，优化资源配置；（3）加大产品创新，支持绿色发展；（4）应用金融科技，强化风险管理。然而随着“双碳”目标的提出，兴业银行在绿色金融创新发展过程中存在一些亟待解决的困难与挑战，主要体现在绿色金融产品创新不足、信息披露制度滞后、缺乏有效的绿色绩效考核规则等，都制约兴业银行的长远发展。基于以上理论分析与实践经验，思考提出我国其他商业银行的绿色转型策略，建议从积极推动绿色金融创新、健全绿色金融保障机制、自觉践行绿色赤道原则、完善绿色金融风险管理体系四个方面着手推动绿色金融创新，促进我国早日实现碳中和的目标。

     Achieving "carbon peak" and "carbon neutralization" is an inherent requirement of promoting high-quality economic development,promoting green low-carbon transformation and development, green finance is an indispensable part, and banks are the main force of our country's green finance power to realize "double carbon" goal. Under the"double carbon" target, Industrial Bank is the first commercial bank in China to fulfill the equator principle. On the one hand, it has always been at the forefront of the industry in terms of green financial products and services innovation, and has created a number of first in the field of green finance in China: Various green financial products such as carbon accounts have been provided, and innovative businesses such as carbon-neutral bonds and blue bonds have emerged. Industrial Bank is making further progress in green finance development. On the other hand, both the absolute scale and the growth ratio of green loans ranked first among listed equity banks. By November 2022, the total amount of green finance financing had reached 622.7 billion yuan, an increase of 39% compared with the beginning of the year. Therefore, in the context of the "double carbon" goal, the research and analysis of the current situation of green finance innovation and development of Industrial Bank has strong reference significance.

       This paper uses the method of literature research and case analysis to clarify the innovative practices of Industrial Bank in green finance, and summarizes the innovative practices of green credit, green bond and carbon finance of Industrial Bank. The research concludes that Industrial Bank mainly takes the following measures: (1) strengthen top-level design and strategic guidance; (2) Improve the incentive mechanism and optimize the allocation of resources; (3) Increase product innovation and support green development; (4) Apply financial technology to strengthen risk management. However, with the proposal of the "double carbon" goal, Industrial Bank has some difficulties and challenges to be solved in the process of green finance innovation and development, mainly reflected in the lack of green financial product innovation, information disclosure system lag, lack of effective green performance appraisal rules, etc.all of which restrict the long-term development of Industrial Bank.Based on the above theoretical analysis and practical experience, this paper puts forward green transformation strategies for other Chinese commercial banks, and suggests promoting green finance innovation from four aspects: actively promoting green finance innovation, perfecting green finance security mechanism, consciously practicing the green equator principle, and improving green finance risk management system, so as to promote carbon neutralization of our country as soon as possible.