银行发展绿色低碳信贷的商机与策略——青岛招商银行案例

本文以招商银行青岛分行支持低碳经济的历程为研究对象,分析了银行发展绿色低碳信贷的商机和挑战,指出银行需要采取合适的策略,根据低碳经济的特点进行金融制度和产品创新,同时还应当寻求和政府及企业的利益兼容点,才能真正实现绿色低碳信贷的健康发展。

Opportunity and Strategy of Green and Low-carbon Credit:Case of CMB Qingdao Branch

From the perspective of bank,and based on the case of CMB Qingdao branch to support the low-carbon economy,this articles analyzes the business opportunity and challenge that banks face in developing green and low-carbon credit,points out that banks should adopt proper strategy to innovate financial system and product according to the characters of low carbon economy,and finds out that the benefit conjunction among banks,government and enterprises is necessary to realize the healthy development of green and low-carbon credit.