本文選題：碳金融 + 商業(yè)銀行　； 參考：《北京交通大學(xué)》2012年碩士論文

【摘要】：全球變暖對(duì)地球來說是一大挑戰(zhàn),同時(shí)對(duì)世界經(jīng)濟(jì)的發(fā)展也是一大機(jī)遇。全球變暖催生了低碳經(jīng)濟(jì),并隨之產(chǎn)生了碳交易市場(chǎng)與碳金融行業(yè)。據(jù)世界銀行預(yù)測(cè),2012年全球碳交易市場(chǎng)容量將達(dá)到1500億美元,有望超過石油市場(chǎng)成為全球第一大市場(chǎng)。對(duì)面如此龐大的市場(chǎng),國外以商業(yè)銀行為首的金融機(jī)構(gòu)已形成了相對(duì)成熟完善的市場(chǎng)機(jī)制；隨著經(jīng)濟(jì)重心轉(zhuǎn)向低碳經(jīng)濟(jì)與可持續(xù)發(fā)展,中國越來越多的金融機(jī)構(gòu),以商業(yè)銀行為主,把注意力轉(zhuǎn)移到了碳金融領(lǐng)域,并進(jìn)行業(yè)務(wù)創(chuàng)新嘗試。但國內(nèi)商業(yè)銀行仍只是初步涉足,問題明顯,包括碳金融業(yè)務(wù)單一與其他市場(chǎng)參與者缺乏聯(lián)系。目前國內(nèi)針對(duì)這方面的研究主要從市場(chǎng)體系、政策、碳金融業(yè)務(wù)的開展難度等論述,就環(huán)境和業(yè)務(wù)分析而言,也只是從單邊的角度及業(yè)務(wù)內(nèi)容角度,并沒有考慮市場(chǎng)體系的多邊性,也沒有從市場(chǎng)需求的角度考慮業(yè)務(wù)的開展和豐富,研究不夠深入。 本文首先介紹了碳金融的相關(guān)理論,之后從政策支持、碳交易市場(chǎng)、金融與中介服務(wù)機(jī)構(gòu)三方面介紹了國際碳金融行業(yè)的發(fā)展,并總結(jié)了中國碳金融的發(fā)展現(xiàn)狀,通過對(duì)比研究法深入分析導(dǎo)致問題的原因。基于原因分析,根據(jù)目前的中國情況,選擇商業(yè)銀行為國內(nèi)碳金融行業(yè)發(fā)展的突破口,根據(jù)碳金融行業(yè)的政策導(dǎo)向性,提出通過兩個(gè)階段來實(shí)現(xiàn)國內(nèi)商業(yè)銀行業(yè)務(wù)模式的構(gòu)建。 第一階段為“基礎(chǔ)金融業(yè)務(wù)”發(fā)展階段,將業(yè)務(wù)開展重心放在綠色理財(cái)信貸業(yè)務(wù)與基于CDM項(xiàng)目開展的業(yè)務(wù)兩項(xiàng)上,旨在為國內(nèi)碳金融市場(chǎng)創(chuàng)造潛在客戶與保證碳減排量供應(yīng)。第二階段為“高級(jí)金融業(yè)務(wù)”發(fā)展階段,將業(yè)務(wù)重心轉(zhuǎn)移到碳金融衍生品交易與基于碳交易市場(chǎng)的交易服務(wù)上,并在傳統(tǒng)銀行業(yè)務(wù)穩(wěn)定的基礎(chǔ)上,向資本市場(chǎng)上的其他金融業(yè)務(wù)領(lǐng)域拓展。為實(shí)現(xiàn)該設(shè)想,本文從政策、市場(chǎng)體系、人類培養(yǎng)三個(gè)角度提出對(duì)策建議。本文的創(chuàng)新點(diǎn)有兩方面：首度引入婦邊市場(chǎng)理論對(duì)碳金融市場(chǎng)體系進(jìn)行論述,從多邊的角度去考慮整個(gè)碳金融行業(yè),而不再只是單邊的去分析這個(gè)體系,深化了商業(yè)銀行與其他市場(chǎng)參與者的聯(lián)系的研究；其二,首次提出客戶價(jià)值缺乏這一想法,我認(rèn)為,碳金融在我國發(fā)展最大的阻礙是國內(nèi)客戶價(jià)值缺乏,這也是造成目前國內(nèi)碳金融發(fā)展各種問題的根本原因所在。其三,提出了通過兩個(gè)階段的發(fā)展來實(shí)現(xiàn)相對(duì)理想的商業(yè)銀行碳金融業(yè)務(wù)模式構(gòu)建。
[Abstract]:Global warming is a great challenge for the earth and an opportunity for the development of the world economy. Global warming has spawned a low-carbon economy, with which carbon trading markets and carbon finance have emerged. The World Bank forecasts that the global carbon trading market will reach $150 billion in capacity in 2012, which is expected to overtake the oil market as the world's largest market. Facing such a large market, foreign financial institutions headed by commercial banks have formed a relatively mature market mechanism. As the economic focus shifts to a low-carbon economy and sustainable development, more and more financial institutions in China, To commercial banks, the focus on carbon finance, and business innovation attempt. But domestic commercial banks are still only beginning to get involved, with obvious problems, including a lack of links between carbon finance and other market participants. At present, domestic research on this aspect is mainly discussed from the market system, policy, the difficulty of developing carbon finance business, and so on. In terms of environment and business analysis, it is only from a unilateral perspective and business content perspective. It does not consider the multilateral nature of market system, nor does it consider the development and enrichment of business from the point of view of market demand, so the research is not deep enough. This paper first introduces the relevant theories of carbon finance, then introduces the development of international carbon finance industry from three aspects: policy support, carbon trading market, finance and intermediary services, and summarizes the development status of carbon finance in China. The causes of the problems are analyzed through comparative research. Based on the analysis of the reasons, according to the current situation in China, commercial banks are chosen as the breakthrough point of the development of domestic carbon finance industry. According to the policy guidance of the carbon finance industry, two stages are put forward to realize the construction of the domestic commercial banks' business model. The first stage is the development stage of "basic financial business", which focuses on green financing credit business and business based on CDM project, aiming at creating potential customers and ensuring carbon abatement supply for domestic carbon finance market. The second stage is the "advanced financial business" development phase, which focuses on carbon derivatives trading and trading services based on the carbon trading market, and on the basis of the stability of the traditional banking business. Expand into other areas of financial business in the capital markets. In order to realize this assumption, this paper puts forward countermeasures and suggestions from three angles: policy, market system and human cultivation. The innovation of this paper has two aspects: the first introduction of the women-side market theory to the carbon financial market system, from a multilateral perspective to consider the entire carbon finance industry, rather than just unilateral analysis of the system, It deepens the research on the relationship between commercial banks and other market participants. Secondly, it is the first time to put forward the idea that customer value is lacking. In my opinion, the biggest obstacle to the development of carbon finance in China is the lack of customer value in China. This is also the root cause of all kinds of problems in the development of domestic carbon finance. Thirdly, two stages of development are proposed to realize the construction of a relatively ideal commercial bank carbon finance business model.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2;F205

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