对城市商业银行发展绿色信贷的思考

摘要

The Release of ＂Indices to Green Credit＂ pushed the supervision of banking industry to a new historical height.Green credit with the base concept of Green development poise both challenge and chance to city commercial banks.Short-term interest conflict,the conflict of maximization of shareholders＇ value, the shortage of risk management system and organization management system will be the restricting factors. However,conforming to the transformation of economic development and ＂green development＂ will be the impetus for city commercial banks to respond it actively.%《绿色信贷指引》的发布将银行业监管推向一个新的历史发展高度。以＂绿色发展＂理念为基础的绿色信贷对国内城市商业银行的发展既是挑战也是机遇,城商行短期利益的调整,股东价值最大化发展理念的冲突,城商行在风险管理体系、组织管理体系上的不足将成为制约绿色信贷发展的重要原因。但是,顺应经济发展方式转型,适应＂绿色发展＂的理念是城商行积极发展绿色信贷的重要推动力;提前规划、优化组织管理体系、研发设计特色信贷产品、加强外部合作是城商行积极发展绿色信贷的重要措施。