%0 Journal Article
%T “双碳”背景下我国商业银行绿色金融业务风险管理探究——以JS银行为例<br>Research on Risk Management of Green Finance Business of Chinese Commercial Banks under the Background of “Dual Carbon”—Taking JS Bank as an Example
%A 时嫣然
%J Finance
%P 874-884
%@ 2161-0975
%D 2024
%I Hans Publishing
%R 10.12677/fin.2024.143093
%X 随着我国经济的不断发展，环境治理问题已被摆在了突出位置。大力发展绿色金融，增强绿色金融服务实体的功能是现阶段金融行业的工作重心。商业银行作为最具代表性的金融机构之一，大力开展绿色金融业务已是必然趋势。但由于绿色金融具有投资周期长、借款主体不稳定等特殊因素，一般具有较高风险，那么探讨商业银行关于绿色金融业务的风险管理极为必要。本文以最早开展绿色金融业务的JS银行为例，从概念界定、现状分析、产品创新、风控措施等各项问题展开剖析，力图找到适合我国商业银行针对绿色金融风险管理的有效途径，为建设“美丽中国”贡献绵薄之力。<br />
With the continuous development of the economy of our country, the environmental governance problem has been put in the prominent position. Vigorously developing green finance and enhancing the function of green financial service entities is the focus of the financial industry at this stage. As one of the most representative financial institutions, it is an inevitable trend for commercial banks to vigorously carry out green finance business. However, due to the special factors such as long investment cycle and unstable borrowers, green finance generally has high risks, so it is extremely necessary to explore the risk management of green finance business in commercial banks. This paper takes JS Bank, which was the first to carry out green finance business, as an example, from the concept definition, current situation analysis, product innovation, risk control measures and other issues to analyze, trying to find an effective way for China’s commercial banks to manage green finance risk, and contribute to the construction of “beautiful China”.
%K 绿色金融，商业银行，风险管理，“双碳”目标<br>Green Finance
%K Commercial Banks
%K Risk Management
%K “Dual Carbon” Targets
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=86823